12 Cottage Ln, Selkirk, NY 12158 Property Records

Albany County and Bethlehem Town property record for 12 Cottage Ln, Selkirk, NY 12158

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,430 sqft · built 1930
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Mar 2026)
Tax Bill	$3,320 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012200 133.00-3-19`

Property Details

APN / Parcel Number

Primary APN	`012200 133.00-3-19`
Alternative APNs	`22001330000003019000` `13300000030190000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,178 sqft
Upper Floors Area	252 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	119 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	121 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	13300000030190000000
Street Address	12 COTTAGE LN
City	SELKIRK
State	NY
Zip	12158-1791
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	SELKIRK
Legal Subdivision	SELKIRK
Legal Block	3
Legal Lot Number	19.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	1
Census Block	1006
Census Tract	14301

Owner

12 Cottage Ln is owned and occupied by two individuals who bought it in March 2026.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	748 ROUTE 9W, GLENMONT, NY 12077-3800
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 22, 2020	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Deed Document Number	20265839
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 COTTAGE LN, SELKIRK, NY 12158-1791
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 ROUTE 9W B, B, GLENMONT, NY 12077-3800

Mortgage

Document Number	0000000840
Date	Mar 26, 2026
Instrument	R2026-5840

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 COTTAGE LN, SELKIRK, NY 12158-1775
Document Number	0000005541
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COTTAGE LN SELKIRK NY 121581775, SELKIRK, NY 12158-1775

Mortgage

Document Number	0000005541
Date	Mar 10, 2020
Instrument	5541

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 COTTAGE LN, SELKIRK, NY 12158-1775
Document Number	0000003934
Instrument Date	Jan 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 COTTAGE LN SELKIRK NY 121581775, SELKIRK, NY 12158-1775

Mortgage

Document Number	0000003934
Date	Feb 18, 2020
Instrument	3934

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 17, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Cottage Ln was $3,320 with exemptions applied, up 5.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Ravena-Coeymans-Selkirk Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,320.00 (+5.26%) Homeowner's exemption Senior Citizen's exemption
2025	$3,154.00 Homeowner's exemption Senior Citizen's exemption	$146,000 Land $31,200 Building $114,800	$228,125 Land $48,750 Building $179,375
2023		$146,000 Land $31,200 Building $114,800	$194,667 Land $41,600 Building $153,067

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

Flood

FEMA maps place 12 Cottage Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2003.

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	4 in force
Nearby Flood Claims	3 (2003–2011)
Claims Outside the SFHA	2 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

Wildfire risk around 12 Cottage Ln 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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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