98 N Main St, Bainbridge, NY 13733 Property Records

Chenango County and Bainbridge Town property record for 98 N Main St, Bainbridge, NY 13733

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,576 sqft · built 1885
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Oct 2022)
Tax Bill	$5,518 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`082201 265.07-3-14`

Property Details

APN / Parcel Number

Primary APN	`082201 265.07-3-14`
Alternative APNs	`220126507000030140000000` `0210564`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,576 sqft Living Area
1st Floor Area	798 sqft
2nd Floor Area	778 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	192 ft deep x 158 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	342 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0210564
Street Address	98 N MAIN ST
City	BAINBRIDGE
State	NY
Zip	13733-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	B818 P127
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	CHENANGO NY
Township / Civil Division	BAINBRIDGE
Census Block Group	2
Census Block	2023
Census Tract	970801

Owner

98 N Main St is owned and occupied by an individual who bought it in October 2022.

Source: Chenango County and Bainbridge Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	98 N MAIN ST, BAINBRIDGE, NY 13733-1228
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
Nov 2, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 25, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on File
Deed Sale	Oct 25, 2022 · Amount on File
Prior Sale	Oct 20, 2009 · Amount on File
Deed Document Number	20221960
Prior Transfer Date	Jan 16, 2009
Prior Transfer Doc	2009000117
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	98 N MAIN ST, BAINBRIDGE, NY 13733-1228
Transaction Type	Mortgage
Record Updated	Nov 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000001787
Date	Nov 2, 2023
Instrument	20230-00001787

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CHENANGO NY
Recording Date	Oct 25, 2022
Property Address	98 N MAIN ST, BAINBRIDGE, NY 13733-1228
Document Number	2022000001960
Instrument Date	Sep 8, 2022
Instrument	20220-00001960
Transaction Type	Transfer
Record Updated	Nov 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	PO BOX 235, DAVENPORT, NY 13750-0235

Tax Assessment & Valuation

The 2026 property tax bill for 98 N Main St was $5,518, up 1.8% from the year before.

Source: Chenango County and Bainbridge Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Bainbridge Town
Municipality	Bainbridge Village
Unified School District	Bainbridge-Guilford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,518.00 (+1.75%)
2025	$5,423.00	$112,000 Land $17,700 Building $94,300	$164,706 Land $26,029 Building $138,677
2023		$112,000 Land $17,700 Building $94,300	$140,000 Land $22,125 Building $117,875

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

Flood

FEMA maps place 98 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	16 (2006–2014)
Claims Outside the SFHA	12 of 16
Most Recent Claim	Jun 2014 · other causes
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 12 claims Severe Storms And Flooding, Jun 2006 · 3 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 98 N 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BAINBRIDGE VILLAGE serves 1,550 people · EPA ID NY0801739
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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