Chemung County and Big Flats Town property record for 99 Main St, Big Flats, NY 14814
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,514 sqft · built 1900 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $153,000 (Dec 2018) |
| Tax Bill | $5,359 (2026) |
| Deeds & Mortgages | Jul 2012 Mortgage Dec 2018 Sale & Mortgage |
| APN | 072400 66.04-3-46 |
| Primary APN | 072400 66.04-3-46 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,514 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 155 ft deep x 112 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 599 sqft |
| Heating System | Hot Water |
|---|---|
| Water Source | Well |
| Account Number | 01815000 |
|---|---|
| Street Address | 99 MAIN ST |
| City | BIG FLATS |
| State | NY |
| Zip | 14814-8911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 |
| Legal Block | 3 |
| Legal Lot Number | 46.000 |
| Jurisdiction | CHEMUNG NY |
| Township / Civil Division | BIG FLATS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 10302 |
99 Main St is owned and occupied by an individual who bought it in December 2018.
Source: Chemung County and Big Flats Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 99 MAIN ST, BIG FLATS, NY 14814-8911 |
| 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.
| Date | Document |
|---|---|
| Jul 18, 2012 | Deed of Trust, Mortgage COMMUNITY BANK NA |
| Dec 10, 2018 | Deed, Transfer · Stand-Alone First Mortgage ELMIRA SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2018 · Amount on File |
| Deed Sale | Dec 10, 2018 · Amount on File |
| Prior Sale | Feb 4, 2003 · Amount on File |
| Deed Book / Page | 20180 / 29442 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHEMUNG NY |
| Property Address | 99 MAIN ST, BIG FLATS, NY 14814-8911 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2012071800216542 |
|---|---|
| Date | Jul 18, 2012 |
| Instrument | 20120718-00216542 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 174 Months |
| Due | Jan 1, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHEMUNG NY |
| Recording Date | Dec 10, 2018 |
| Property Address | 99 MAIN ST, BIG FLATS, NY 14814-8911 |
| Document Number | 20180/29442 |
| Book / Page | 20180 / 29442 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 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 | 99 MAIN ST, BIG FLATS, NY 14814-8911 |
| Document Number | 0201829443 |
|---|---|
| Date | Dec 10, 2018 |
| Instrument | 201829443 |
| Name | ELMIRA SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 99 Main St was $5,359, up 0.9% from the year before.
Source: Chemung County and Big Flats Town assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chemung County |
| County Subdivision | Big Flats Town |
| Unified School District | Horseheads Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,359.00 (+0.88%) | ||
| 2025 | $5,312.00 | $176,000 Land $18,600 Building $157,400 | $206,600 Land $21,834 Building $184,766 |
| 2023 | $162,900 Land $17,200 Building $145,700 | $173,298 Land $18,298 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 99 Main St; there have been 1 flood claim nearby since 2018.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2018 · Severe Storms And Flooding |
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 99 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 | BIG FLATS WATER DISTRICT 5 serves 8,489 people · EPA ID NY0701011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 2 ppb (2023–2025) 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, 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Xtreme5G Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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