111 Stark St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 111 Stark St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,704 sqft · built 1900
Lot Size	4.65 acres (202,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (May 2020)
Tax Bill	$3,519 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2020 Sale & Mortgage
APN	`453889 18-1-31.1`

Property Details

APN / Parcel Number

Primary APN	`453889 18-1-31.1`
Alternative APN	`388901800000010310010000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,704 sqft Living Area
1st Floor Area	1,160 sqft
2nd Floor Area	544 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	202,554 sqft (4.65 acres)
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	305 sqft
Patio Area	276 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	111 STARK ST
City	WATERLOO
State	NY
Zip	13165-8797
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB71-341
Legal Block	1
Legal Lot Number	31.001
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3017
Census Tract	950500

Owner

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	2 Individual Names on Record
Mailing Address	111 STARK ST, WATERLOO, NY 13165-8797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION
May 12, 2020	Deed, Transfer · Stand-Alone First Mortgage GENERATIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2020 · Amount on Record
Deed Sale	May 12, 2020 · Amount on Record
Deed Book / Page	1011 / 173
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Recording Date	Jul 24, 2026
Property Address	111 STARK ST, WATERLOO, NY 13165-8797
Document Number	0000075264
Book / Page	2002 / 1
Instrument Date	Jul 8, 2026
Instrument	202675264
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 STARK ST, WATERLOO, NY 13165-8797

Mortgage

Document Number	0000075264,
Date	Jul 24, 2026
Book Page	2002/1
Instrument	202675264

Lender

Name	ESL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	May 12, 2020
Property Address	111 STARK ST, WATERLOO, NY 13165-8797
Document Number	001011/173
Book / Page	1011 / 173
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 STARK ST, WATERLOO, NY 13165-8797

Mortgage

Document Number	0001745/22
Date	May 12, 2020
Book Page	1745/22
Instrument	48654

Lender

Name	GENERATIONS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,519.00 (+6.12%)
2025	$3,316.00 (+232.6%)	$111,700 (-) Land $39,600 Building $72,100	$183,100 (+16.38%) Land $64,913 Building $118,187
2023		$111,700 Land $39,600 Building $72,100	$157,324 Land $55,775 Building $101,549
2019	$997.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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