12 Dowers Way, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 12 Dowers Way, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,984 sqft · built 1998
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$239,350 (Nov 1998)
Tax Bill	$13,154 (2026)
Deeds & Mortgages	Apr 2017 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012200 97.13-3-35`

Property Details

APN / Parcel Number

Primary APN	`012200 97.13-3-35`
Alternative APNs	`220009701300030350000000` `09701300030350000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,984 sqft Living Area
1st Floor Area	1,592 sqft
2nd Floor Area	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	32,234 sqft (0.74 acres)
Lot Dimensions	235 ft deep x 85.9 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	288 sqft
Patio Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	09701300030350000000
Street Address	12 DOWERS WAY
City	DELMAR
State	NY
Zip	12054-6708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	HASWELL FARMS DELMAR
Legal Subdivision	DELMAR
Legal Block	3
Legal Lot Number	35.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	1
Census Block	1005
Census Tract	14303

Owner

12 Dowers Way is owned and occupied by an individual who acquired it in November 2004.

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

Owner of Record	Individual Name on File
Mailing Address	12 DOWERS WAY, DELMAR, NY 12054-6708
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 21, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Sep 17, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 1998 · Amount on File
Deed Sale	Nov 10, 1998 · Amount on File
Prior Sale	Nov 10, 1998 · Amount on File
Deed Book / Page	2616 / 410
Last Transfer Date	Nov 11, 2004
Transfer Doc	0027910106
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 DOWERS WAY, DELMAR, NY 12054-6708
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009303
Date	Apr 21, 2017
Instrument	R2017-09303

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 17, 2027

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 DOWERS WAY, DELMAR, NY 12054-6708
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DOWERS WAY, DELMAR, NY 12054-6708

Mortgage

Document Number	0000009432
Date	Dec 28, 2021
Instrument	R2021-39432

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 DOWERS WAY, DELMAR, NY 12054-6708
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 DOWERS WAY, DELMAR, NY 12054-6708

Mortgage

Document Number	0000008424
Date	Sep 17, 2021
Instrument	R2021-28424

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 10, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 12 Dowers Way was $13,154 with a homeowner's exemption, up 1.4% 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	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,154.00 (+1.41%) Homeowner's exemption
2025	$12,971.00 Homeowner's exemption	$409,800 Land $83,800 Building $326,000	$640,313 Land $130,938 Building $509,375
2023		$409,800 Land $83,800 Building $326,000	$546,400 Land $111,733 Building $434,667

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

Flood

FEMA maps place 12 Dowers Way in Zone X, an area of minimal flood risk.

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	1 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.

Wildfire

Wildfire risk around 12 Dowers Way 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.

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 241 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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