Washington County and White Creek Town property record for 95 E Main St, Cambridge, NY 12816 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,364 sqft · built 1870 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Aug 2023) |
| Tax Bill | $5,233 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 535001 256.17-1-21 |
| Primary APN | 535001 256.17-1-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,364 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Upper Floors Area | 880 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 200 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 220 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 961A100222 |
|---|---|
| Street Address | 95 E MAIN ST |
| City | CAMBRIDGE |
| State | NY |
| Zip | 12816-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | WASHINGTON NY |
| Township / Civil Division | WHITE CREEK |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 92000 |
Source: Washington County and White Creek Town records · APN 535001 256.17-1-21
Assessment roll updated April 27, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 MYSTIC ST, 2, CHARLESTOWN, MA 02129-1916 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP |
| Dec 20, 2021 | Deed of Trust, Mortgage · Line of Credit SARATOGA COMMUNITY FEDERAL CREDIT UNION |
| Dec 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SARATOGA COMMUNITY FEDERAL CREDIT UNION |
| Jul 11, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 10, 2023 · Amount on Record |
| Deed Sale | Aug 10, 2023 · Amount on Record |
| Prior Sale | Jul 11, 2017 · Amount on Record |
| Deed Document Number | 20233445 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Recording Date | Aug 10, 2023 |
| Property Address | 95 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Document Number | 0000000445 |
| Instrument Date | Aug 02, 2023 |
| Instrument | 2023-3445 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 38 MYSTIC ST # 22, 22, CHARLESTOWN, MA 02129-1916 |
| Document Number | 0000000446 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023-3446 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Property Address | 95 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000877 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-7877 |
| Name | SARATOGA COMMUNITY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Jan 01, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Property Address | 95 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000876 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-7876 |
| Name | SARATOGA COMMUNITY FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Jan 01, 2041 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Recording Date | Jul 11, 2017 |
| Property Address | 95 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Document Number | 0038120306 |
| Book / Page | 003812 / 000306 |
| Instrument Date | Jun 27, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 E MAIN ST CAMBRIDGE NY 128161207, CAMBRIDGE, NY 12816-1207 |
Source: Washington County and White Creek Town records · Assessment roll updated April 27, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Washington County |
| County Subdivision | White Creek Town |
| Municipality | Cambridge Village |
| Unified School District | Cambridge Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,233.00 | $172,000 (-) Land $15,800 Building $156,200 | $207,229 (+18.07%) Land $19,036 Building $188,193 |
| 2023 | $172,000 (-) Land $15,800 Building $156,200 | $175,510 (+2.04%) Land $16,122 Building $159,388 | |
| 2022 | $172,000 Land $15,800 Building $156,200 | $172,000 Land $15,800 Building $156,200 |
Source: FEMA National Flood Hazard Layer, Washington County (36115C), updated July 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361150920001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1981–2008) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Mar 2008, rainfall accumulation |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the Cambridge Historic District listed 1978 · 199 contributing resources · NRIS 78001922 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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