1064 Co Rte 411, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 1064 Co Rte 411, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,242 sqft · built 1991
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jun 2010)
Tax Bill	$3,887 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 140.-1-42.32`

Property Details

APN / Parcel Number

Primary APN	`013800 140.-1-42.32`
Alternative APNs	`380014000000010420320000` `14000000010420320000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	14000000010420320000
Street Address	1064 COUNTY ROUTE 411
City	WESTERLO
State	NY
Zip	12193-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	1
Legal Lot Number	42.032
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1032
Census Tract	14803

Owner

Source: Albany County and Westerlo Town records, as of September 23, 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 Record
Mailing Address	812 STATE ROUTE 143, RAVENA, NY 12143-2516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU
Jul 22, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage CHEMUNG CANAL TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2010 · Amount on Record
Deed Sale	Jun 3, 2010 · Amount on Record
Deed Document Number	2010664240
Deed Book / Page	2980 / 165
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	1064 COUNTY ROUTE 411, WESTERLO, NY 12193-2816
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	NORTHWAY TITLE AGENCY, NORTHWAY TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 ROUTE 143, RAVENA, NY 12143

Mortgage

Document Number	0000003656
Date	Dec 24, 2025
Instrument	R2025-23656

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 22, 2022
Property Address	1064 COUNTY ROUTE 411, WESTERLO, NY 12193-2816
Document Number	0000007332
Instrument Date	Jun 28, 2022
Instrument	R2022-17332
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Amount	Amount Recorded
Tax	$32.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 MONROE AVE, ALBANY, NY 12203-5823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1064 COUNTY ROUTE 411, WESTERLO, NY 12193-2816

Mortgage

Document Number	0000007333
Date	Jul 22, 2022
Instrument	R2022-17333

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Bank
Address	ELMIRA, NY 14902

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2037
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	Other
Max Rate	10.2%

Tax Assessment & Valuation

Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Westerlo Town
Unified School District	Greenville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,887.00 (-10.13%) Homeowner's exemption
2025	$4,325.00 Homeowner's exemption	$1,300 (-) Land $300 Building $1,000	$224,138 (+10.36%) Land $51,724 Building $172,414
2023		$1,300 Land $300 Building $1,000	$203,100 Land $46,869 Building $156,231

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Hurricane Irene, Aug 2011 · 2 claims

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Cable	400 / 25
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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