14 Udell Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 14 Udell Rd, Westerlo, NY 12193

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,790 sqft · built 1912
Lot Size	21 acres (914,760 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,311 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013800 116.-3-6.10`

Property Details

APN / Parcel Number

Primary APN	`013800 116.-3-6.10`
Alternative APNs	`380011600000030060100000` `11600000030060100000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,790 sqft Living Area
1st Floor Area	1,100 sqft
Upper Floors Area	690 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	914,760 sqft (21 acres)
Garage Type	Mixed
Garage Area	426 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	345 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11600000030060100000
Street Address	14 UDELL RD
City	WESTERLO
State	NY
Zip	12193
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RDA
Legal Block	3
Legal Lot Number	6.010
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1003
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	14 UDELL RD, WESTERLO, NY 12193
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Dec 28, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 23, 2015
Transfer Doc	0031270047
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	14 UDELL RD, WESTERLO, NY 12193
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015588
Date	Aug 2, 2019
Instrument	R2019-15588

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 22, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	14 UDELL RD, WESTERLO, NY 12193
Document Number	0000001355
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 UDELL RD WESTERLO NY 12193, WESTERLO, NY 12193

Mortgage

Document Number	0000001355
Date	Jan 17, 2019
Instrument	1355

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 16, 2044

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	14 UDELL RD, WESTERLO, NY 12193
Document Number	0000016296
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 UDELL RD WESTERLO NY 12193, WESTERLO, NY 12193

Mortgage

Document Number	0000016296
Date	Jul 14, 2017
Instrument	16296

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 13, 2032

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	Berne-Knox-Westerlo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,311.00 (+48.09%)
2025	$2,911.00 (+4.56%)	$1,425 (-) Land $300 Building $1,125	$245,690 (+10.32%) Land $51,724 Building $193,966
2023		$1,425 (-) Land $300 Building $1,125	$222,700 (+17.21%) Land $46,884 Building $175,816
2022		$1,425 Land $300 Building $1,125	$190,000 Land $40,000 Building $150,000
2021	$2,784.00

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, 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	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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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