Seneca County and Waterloo Town property record for 11 Oak St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,852 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,598 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance Dec 2020 Line of Credit |
| APN | 453801 09-2-41 |
| Primary APN | 453801 09-2-41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,852 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| 2nd Floor Area | 800 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 149 ft deep x 56 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 11 OAK ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 41.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 950600 |
Source: Seneca County and Waterloo 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 | Individual Name on Record |
|---|---|
| Mailing Address | 11 OAK ST, WATERLOO, NY 13165-1318 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK |
| Dec 14, 2020 | Deed of Trust, Mortgage · Line of Credit FIVE STAR BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 11 OAK ST, WATERLOO, NY 13165-1318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1780/97 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 1780/97 |
| Instrument | 51428 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jan 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 11 OAK ST, WATERLOO, NY 13165-1318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1780/115 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 1780/115 |
| Instrument | 51429 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,598.00 (+4.26%) Homeowner's exemption | ||
| 2025 | $3,451.00 (+91.72%) | $71,600 (-) Land $12,400 Building $59,200 | $117,400 (+16.42%) Land $20,332 Building $97,068 |
| 2023 | $71,600 Land $12,400 Building $59,200 | $100,845 Land $17,465 Building $83,380 | |
| 2019 | $1,800.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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