Seneca County and Waterloo Town property record for 103 W Main St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,900 sqft · built 1800 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $36,900 (Jun 2005) |
| Tax Bill | $2,330 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| APN | 453801 09-2-58 |
| Primary APN | 453801 09-2-58 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,900 sqft Living Area |
| 1st Floor Area | 950 sqft |
| 2nd Floor Area | 950 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 2,614 sqft (0.06 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 W MAIN ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 58.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 950600 |
103 W Main St is owned and occupied by an individual who bought it in June 2005.
Source: Seneca County and Waterloo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 W MAIN ST, WATERLOO, NY 13165-1314 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2005 · Amount on File |
| Deed Sale | Jun 30, 2005 · Amount on File |
| Prior Sale | Dec 20, 1999 · Amount on File |
| Deed Book / Page | 707 / 273 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Jun 18, 2026 |
| Property Address | 103 W MAIN ST, WATERLOO, NY 13165-1314 |
| Document Number | 0000074836 |
| Book / Page | 1998 / 75 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202674836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 103 W MAIN ST, WATERLOO, NY 13165-1314 |
| Document Number | 0000074836, |
|---|---|
| Date | Jun 18, 2026 |
| Book Page | 1998/75 |
| Instrument | 202674836 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 103 W Main St was $2,330, up 4.2% from the year before.
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,330.00 (+4.2%) | ||
| 2025 | $2,236.00 | $46,100 Land $5,700 Building $40,400 | $75,600 Land $9,348 Building $66,252 |
| 2023 | $46,100 Land $5,700 Building $40,400 | $64,930 Land $8,028 Building $56,902 | |
| 2019 | $2,367.00 |
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 103 W Main St; 6 flood insurance policies are in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 6 in force |
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 103 W Main St is low, with less than 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 93% of the US · lower than 89% of New York |
|---|---|
| Wildfire Likelihood | Under 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 | WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 10 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
May also be available: T-Mobile.
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