Albany County and Watervliet City property record for 101 3rd St, Watervliet, NY 12189
| Property Type | Residential |
|---|---|
| Lot Size | 0.036 acres (1,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Aug 2024) |
| Tax Bill | $948 (2026) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 011800 44.58-1-27 |
| Primary APN | 011800 44.58-1-27 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,600 sqft (0.036 acres) |
|---|---|
| Lot Dimensions | 40 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 1,073 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating Fuel | Oil |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04405800010270000000 |
|---|---|
| Street Address | 101 3RD ST |
| City | WATERVLIET |
| State | NY |
| Zip | 12189-3928 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Other |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 13400 |
Source: Albany County and Watervliet City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 43 NUTWOOD AVE, SCHENECTADY, NY 12304-4364 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2024 · Amount on Record |
| Deed Sale | Aug 13, 2024 · Amount on Record |
| Deed Document Number | 202413345 |
| Prior Transfer Date | Jan 6, 2022 |
| Prior Transfer Doc | 0000003712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | May 29, 2026 |
| Property Address | 101 3RD ST, WATERVLIET, NY 12189-3928 |
| Document Number | 0000000008 |
| Instrument Date | May 22, 2026 |
| Instrument | 202610008 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PIERCE SETTLEMENT SERVICES LLC, TIER ONE SETTLEMENT AGENCY L |
| Name | Verified Name |
|---|---|
| Address | 43 NUTWOOD AVE, SCHENECTADY, NY 12304-4364 |
| Document Number | 0000010008, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 202610008 |
| Name | COMMUNITY BANK LENA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 278 Months |
| Due | Jul 2, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Albany County and Watervliet City assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| Municipality | Watervliet City |
| Unified School District | Watervliet City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $948.00 (+3.38%) | ||
| 2025 | $917.00 | $24,000 (-) Land $7,900 Building $16,100 | $40,802 (+18.16%) Land $13,431 Building $27,371 |
| 2023 | $24,000 Land $7,900 Building $16,100 | $34,532 Land $11,367 Building $23,165 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 3 (2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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: 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 | WATERVLIET CITY serves 9,889 people · EPA ID NY0110127 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Jan 2023 |
| 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 180 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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