Washington County and White Creek Town property record for 97 E Main St, Cambridge, NY 12816
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,336 sqft · built 1890 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,211 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit May 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 535001 256.17-1-20 |
| Primary APN | 535001 256.17-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,336 sqft Living Area |
| 1st Floor Area | 1,244 sqft |
| 2nd Floor Area | 756 sqft |
| Upper Floors Area | 336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 200 ft deep x 51 ft wide |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 961A100415 |
|---|---|
| Street Address | 97 E MAIN ST |
| City | CAMBRIDGE |
| State | NY |
| Zip | 12816-1207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| 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 256.17-1-20
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 | 97 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2022 | Deed of Trust, Mortgage · Line of Credit TCT FCU |
| May 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TCT FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Property Address | 97 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000366 |
|---|---|
| Date | Jun 16, 2022 |
| Instrument | 2022-3366 |
| Name | TCT FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON NY |
| Property Address | 97 E MAIN ST, CAMBRIDGE, NY 12816-1207 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000024 |
|---|---|
| Date | May 31, 2022 |
| Instrument | 2022-3024 |
| Name | TCT FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2042 |
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 | $5,211.00 | $175,000 (-) Land $13,000 Building $162,000 | $210,843 (+18.07%) Land $15,663 Building $195,180 |
| 2023 | $175,000 Land $13,000 Building $162,000 | $178,571 Land $13,265 Building $165,306 |
Source: FEMA National Flood Hazard Layer, Washington County (36115C), as of July 20, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 361150920001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 Event |
|
| 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 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 as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 162 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NY5700117, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CAMBRIDGE WATER WORKS private · serves 3,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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