Albany County and Westerlo Town property record for 106 Flood Rd, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,240 sqft · built 1984 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Sep 2024) |
| Tax Bill | $4,992 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Feb 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 128.-2-5 |
| Primary APN | 013800 128.-2-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 2,240 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Attached |
| Garage Area | 1,264 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 269 sqft |
| Shed | 1 Shed |
| Canopy | 160 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12800000020050000000 |
|---|---|
| Street Address | 106 FLOOD RD |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 14803 |
106 Flood Rd is owned by two individuals who bought it in September 2024.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 51 BROM BONES LN, ATHENS, NY 12015-4202 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Sep 19, 2024 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORP |
| Feb 23, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2024 · Amount on File |
| Deed Sale | Sep 19, 2024 · Amount on File |
| Deed Document Number | 202415638 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 106 FLOOD RD, WESTERLO, NY 12193-2306 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | SMPR TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 51 BROM BONES LN, ATHENS, NY 12015-4202 |
| Document Number | 0000005639 |
|---|---|
| Date | Sep 19, 2024 |
| Instrument | R2024-15639 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Feb 23, 2017 |
| Property Address | 106 FLOOD RD, WESTERLO, NY 12193-2306 |
| Document Number | 0000004740 |
| Instrument Date | Oct 11, 2016 |
| Instrument | 4740 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 24 STERLEY AVE SAUGERTIES NY 124772136, SAUGERTIES, NY 12477-2136 |
The 2026 property tax bill for 106 Flood Rd was $4,992, up 48.1% from the year before.
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Greenville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,992.00 (+48.13%) | ||
| 2025 | $3,370.00 | $1,650 Land $200 Building $1,450 | $284,483 Land $34,483 Building $250,000 |
| 2023 | $1,650 (-) Land $200 Building $1,450 | $257,800 (+17.18%) Land $31,248 Building $226,552 | |
| 2022 | $1,650 Land $200 Building $1,450 | $220,000 Land $26,667 Building $193,333 | |
| 2021 | $2,701.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 106 Flood Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2005–2011) |
| 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.
Wildfire risk around 106 Flood Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Cable · Fiber in parts of the area | 400 / 25 |
| Starlink Satellite | 280 / 30 |
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