Delaware County and Sidney Town property record for 78 W Main St, Sidney, NY 13838
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,332 sqft · built 1945 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jan 2026) |
| Tax Bill | $3,953 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2008 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 125001 115.20-1-20 |
| Primary APN | 125001 115.20-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 708 sqft |
| 2nd Floor Area | 624 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 126 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 228 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 180 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08201712021 |
|---|---|
| Street Address | 78 W MAIN ST |
| City | SIDNEY |
| State | NY |
| Zip | 13838-1431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | GILBERT EST LOT 3 |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | DELAWARE NY |
| Township / Civil Division | SIDNEY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 970402 |
78 W Main St is owned by an individual who bought it in January 2026.
Source: Delaware County and Sidney Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 343 HARRIS HILL RD, MORRIS, NY 13808-2209 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Balloon Mortgage DAVID F ANDERSON |
| Apr 23, 2008 | Deed of Trust, Mortgage HOMESTEAD FUNDING CORP |
| Jan 20, 2026 | Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| May 15, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage 1ST PRIORITY MORTGAGE INC |
| Sep 29, 2020 | Deed, Transfer FIRST AMERICAN TITLE |
| Jun 21, 2019 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2026 · Amount on File |
| Deed Sale | Jan 20, 2026 · Amount on File |
| Prior Sale | May 15, 2023 · Amount on File |
| Deed Document Number | 2026332 |
| Deed Book / Page | 1841 / 26 |
| Transfer Doc | 001596/341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 002279/219 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 2279/219 |
| Instrument | 440 |
| Name | DAVID F ANDERSON |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE NY |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001532/0000000053 |
|---|---|
| Date | Apr 23, 2008 |
| Book Page | 0000001532/0000000053 |
| Instrument | 0000019407 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 321 Months |
| Due | Jan 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Jan 20, 2026 |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Document Number | 0001841/26 |
| Book / Page | 1841 / 26 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 332 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 343 HARRIS HILL RD, MORRIS, NY 13808-2209 |
| Document Number | 0000000333 |
|---|---|
| Date | Jan 20, 2026 |
| Instrument | 333 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | May 15, 2023 |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Document Number | 0001750/32 |
| Book / Page | 1750 / 32 |
| Instrument Date | May 6, 2023 |
| Instrument | 3024 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 933 US ROUTE 11 APT N4, N4, KIRKWOOD, NY 13795-1659 |
| Document Number | 0000003025 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 3025 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Sep 29, 2020 |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Document Number | 001640/171 |
| Book / Page | 1640 / 171 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 6176 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1212 AZUSA ST APT B, B, SAN DIEGO, CA 92110-2430 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | DELAWARE NY |
| Recording Date | Jun 21, 2019 |
| Property Address | 78 W MAIN ST, SIDNEY, NY 13838-1431 |
| Document Number | 001596/341 |
| Book / Page | 1596 / 341 |
| Instrument | 5271 |
| Transaction Type | Foreclosure |
| Record Updated | Sep 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051 |
The 2026 property tax bill for 78 W Main St was $3,953, up 1.5% from the year before.
Source: Delaware County and Sidney Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Delaware County |
| County Subdivision | Sidney Town |
| Municipality | Sidney Village |
| Unified School District | Sidney Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,953.00 (+1.54%) | ||
| 2025 | $3,893.00 (+0.65%) | $68,980 (-) Land $10,000 Building $58,980 | $137,960 (+9.6%) Land $20,000 Building $117,960 |
| 2024 | $3,868.00 | $68,980 (-) Land $10,000 Building $58,980 | $125,876 (+6.86%) Land $18,248 Building $107,628 |
| 2023 | $68,980 (-) Land $10,000 Building $58,980 | $117,800 (+9.79%) Land $17,077 Building $100,723 | |
| 2022 | $68,980 Land $10,000 Building $58,980 | $107,300 Land $15,555 Building $91,745 | |
| 2021 | $3,715.00 (+3.71%) | ||
| 2020 | $3,582.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 W Main St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2005.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 6 (2005–2026) |
| Most Recent Claim | Sep 2026 |
| Claims by Event |
|
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 risk around 78 W Main St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SIDNEY VILLAGE serves 3,800 people · EPA ID NY1200270 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 30 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
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