143 3rd St, Waterford, NY 12188 Property Records

Saratoga County and Waterford Town property record for 143 3rd St, Waterford, NY 12188

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,101 sqft · built 1965
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$4,283 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2022 Line of Credit + 2 more
APN	`415401 291.56-2-3`

Property Details

APN / Parcel Number

Primary APN	`415401 291.56-2-3`
Alternative APNs	`540129105600020030000000` `1 A00441`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,101 sqft Living Area
1st Floor Area	1,101 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Lot Width	27 ft Width
View / Lot	Waterfront / Beach
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	1 A00441
Street Address	143 3RD ST
City	WATERFORD
State	NY
Zip	12188-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	SARATOGA NY
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1006
Census Tract	62800

Owner

Source: Saratoga County and Waterford Town records, as of April 20, 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	143 3RD ST, WATERFORD, NY 12188-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit BROADVIEW FEDERAL CREDIT UNION
Dec 6, 2019	Warranty Deed, Transfer · Conventional with PMI CAPITAL COMMUNICATIONS CU
Jun 17, 2019	Warranty Deed, Transfer · Conventional with PMI LOAN FUNDER LLC SERIES 7833

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 16, 2012
Transfer Doc	0000015453
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Recording Date	May 5, 2026
Property Address	143 3RD ST, WATERFORD, NY 12188-1924
Document Number	0000012482
Instrument Date	Apr 30, 2026
Instrument	202612482
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 3RD ST, WATERFORD, NY 12188-1924

Mortgage

Document Number	0000012482,
Date	May 5, 2026
Instrument	202612482

Lender

Name	BAY VIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	143 3RD ST, WATERFORD, NY 12188-1924
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033147
Date	Oct 19, 2022
Instrument	2022033147

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Dec 6, 2019
Property Address	143 3RD ST, WATERFORD, NY 12188-1924
Document Number	0000034905
Instrument Date	Nov 22, 2019
Instrument	34905
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$764.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4034 A DOORSTONE DR ALBANY NY 12210, ALBANY, NY 12210

Mortgage

Document Number	34906
Date	Dec 6, 2019
Instrument	34906

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2049

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SARATOGA NY
Recording Date	Jun 17, 2019
Property Address	143 3RD ST, WATERFORD, NY 12188-1924
Document Number	0000016524
Instrument Date	Jun 7, 2019
Instrument	16524
Transaction Type	Transfer
Record Updated	Jul 8, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	73 W HEARTHSTONE DR ALBANY NY 122051236, ALBANY, NY 12205-1236

Mortgage

Document Number	16525
Date	Jun 17, 2019
Instrument	16525

Lender

Name	LOAN FUNDER LLC SERIES 7833
Address	645 MADISON AVE # 19, NEW YORK, NY 10022-1010

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Saratoga County and Waterford Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Waterford Town
Municipality	Waterford Village
Unified School District	Waterford-Halfmoon Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,283.00	$140,000 (-) Land $45,000 Building $95,000	$202,899 (+15.94%) Land $65,218 Building $137,681
2023		$140,000 Land $45,000 Building $95,000	$175,000 Land $56,250 Building $118,750

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 46 policies
Nearby Flood Policies	46 in force
Nearby Flood Claims	203 (1979–2013)
Claims Outside the SFHA	17 of 203
Most Recent Claim	Jun 2013 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 87 claims Severe Storms And Flooding, Jan 1998 · 76 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WATERFORD WATER WORKS (PURCHASE TROY) serves 9,800 people · EPA ID NY4500173
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber.

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