681 Reed Rd, Hamden, NY 13782 Property Records

Delaware County and Hamden Town property record for 681 Reed Rd, Hamden, NY 13782

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 2,436 sqft · built 2014
Lot Size	10 acres (436,471 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2017)
Tax Bill	$3,742 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Apr 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`123400 277.-2-20`

Property Details

APN / Parcel Number

Primary APN	`123400 277.-2-20`
Alternative APNs	`34002770000002020000` `06684848709`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,436 sqft Living Area
1st Floor Area	1,624 sqft
Upper Floors Area	812 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	436,471 sqft (10 acres)
Garage Type	Basement
Porch	Slab
Porch Area	16 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	06684848709
Street Address	681 REED RD
City	HAMDEN
State	NY
Zip	13782-2455
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	GL 38 SM 3107 LOT 20
Legal Block	2
Legal Lot Number	20.000
Jurisdiction	DELAWARE NY
Township / Civil Division	HAMDEN
Census Block Group	2
Census Block	2045
Census Tract	970700

Owner

681 Reed Rd, a rural home, is owned and occupied by two individuals who bought it in September 2017.

Source: Delaware County and Hamden Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	681 REED RD, HAMDEN, NY 13782-2455
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2017	Deed of Trust, Mortgage DELAWARE NATIONAL BANK OF DELHI
Apr 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DELAWARE NATIONAL BANK
Sep 7, 2017	Deed, Transfer
Sep 7, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Prior Sale	Feb 18, 2000 · Amount on File
Deed Document Number	20176502
Deed Book / Page	1532 / 308
Prior Transfer Date	May 7, 2015
Prior Transfer Doc	0000001453/000000032
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	681 REED RD, HAMDEN, NY 13782-2455
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002098/0000000341
Date	Sep 7, 2017
Book Page	0000002098/0000000341
Instrument	000000006503

Lender

Name	DELAWARE NATIONAL BANK OF DELHI

Agreement

Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2047

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DELAWARE NY
Property Address	681 REED RD, HAMDEN, NY 13782-2455
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002380/259
Date	Apr 28, 2022
Book Page	2380/259
Instrument	3346

Lender

Name	DELAWARE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Sep 7, 2017
Property Address	681 REED RD, HAMDEN, NY 13782-2455
Document Number	001532/308
Book / Page	1532 / 308
Instrument Date	Sep 1, 2017
Instrument	000000006502
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1052 WOODLAWN RD, WALTON, NY 13856-4316

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	DELAWARE NY
Recording Date	Sep 7, 2017
Property Address	681 REED RD, HAMDEN, NY 13782-2455
Document Number	001532/308
Book / Page	1532 / 308
Instrument Date	Sep 1, 2017
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1052 WOODLAWN RD, WALTON, NY 13856-4316

Tax Assessment & Valuation

The 2026 property tax bill for 681 Reed Rd was $3,742, down 9.3% from the year before.

Source: Delaware County and Hamden Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Delaware County
County Subdivision	Hamden Town
Unified School District	Downsville Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,742.00 (-9.28%)
2025	$4,125.00	$239,100 Land $46,500 Building $192,600	$239,100 Land $46,500 Building $192,600
2023		$199,250 Land $38,700 Building $160,550	$213,100 Land $41,390 Building $171,710
2020	$3,256.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 681 Reed Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer, effective October 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	7 (1986–2011)
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Flooding, Jun 2006 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 681 Reed Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Delhi Telephone Company Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

Nearby Properties on Reed Rd

Nearby Streets

All Hamden, NY Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures