99 Darwin Rd, Cambridge, NY 12816 Property Records

Washington County and Cambridge Town property record for 99 Darwin Rd, Cambridge, NY 12816

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2.5 ba · 2,392 sqft · built 1970
Lot Size	16 acres (699,574 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,142 (2025)
Deeds & Mortgages	Mar 2022 Refinance Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`532289 262.-1-20.1`

Property Details

APN / Parcel Number

Primary APN	`532289 262.-1-20.1`
Alternative APN	`228926200000010200010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,392 sqft Living Area
1st Floor Area	1,992 sqft
Upper Floors Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	699,574 sqft (16 acres)
Porch	Slab
Porch Area	509 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	99 DARWIN RD
City	CAMBRIDGE
State	NY
Zip	12816-1916
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	H & L ADDITION LOT 4
Legal Block	1
Legal Lot Number	20.001
Jurisdiction	WASHINGTON NY
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1034
Census Tract	93000

Owner

Source: Washington County and Cambridge Town records · APN 532289 262.-1-20.1

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	PO BOX 176, CAMBRIDGE, NY 12816-0176
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TCT FCU
Sep 20, 2019	Deed of Trust, Mortgage · Line of Credit TCT FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	99 DARWIN RD, CAMBRIDGE, NY 12816-1916
Transaction Type	Mortgage
Record Updated	Jul 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000884
Date	Mar 31, 2022
Instrument	2022-1884

Lender

Name	TCT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON NY
Property Address	99 DARWIN RD, CAMBRIDGE, NY 12816-1916
Document Number	0000128975
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 DARWIN RD CAMBRIDGE NY 12816, CAMBRIDGE, NY 12816

Mortgage

Document Number	0000128975
Date	Oct 01, 2019
Instrument	128975

Lender

Name	TCT FCU
Type	Credit Union
Address	BALLSTON SPA, NY 12020-2684

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 30, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Washington County and Cambridge Town records · Assessment roll updated April 27, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Washington County
County Subdivision	Cambridge Town
Unified School District	Cambridge Central School District (PK - 12)

Tax Bill & Assessment History

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	$6,142.00 (-32.89%)	$302,113 (+14.48%) Land $59,301 Building $242,812	$302,113 (+14.48%) Land $59,301 Building $242,812
2023		$263,900 (-18.42%) Land $51,800 Building $212,100	$263,900 (-26.58%) Land $51,800 Building $212,100
2022		$323,500 Land $69,100 Building $254,400	$359,444 Land $76,778 Building $282,666
2021	$9,152.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 20, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Atlas Connectivity Fiber	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Hudson Valley Wireless.

Based on FCC filings for 6 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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