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1441 State Rte 96, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 1441 State Rte 96, Waterloo, NY 13165

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,832 sqft · built 1955
Lot Size1.1 acres (47,916 sqft)
Owner2 Individual Names on Record
Last Sale$325,000 (Aug 2025)
Tax Bill$5,427 (2026)
Deeds & MortgagesDec 2012 Mortgage
Aug 2025 Sale
+ 3 more
APN453889 19-1-14.2

Property Details

APN / Parcel Number

Primary APN453889 19-1-14.2
Alternative APN
  • 388901900000010140020000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,832 sqft Living Area
1st Floor Area1,544 sqft
2nd Floor Area1,288 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area47,916 sqft (1.1 acres)
Garage TypeAttached
Garage Area959 sqft
Parking Spaces4 Parking Spaces
Shed1 Shed

Utilities, Heating & Cooling

Heating FuelElectric
SewerSeptic
Water SourceWell

Location & Zoning

Street Address1441 STATE ROUTE 96
CityWATERLOO
StateNY
Zip13165-9587
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal DescriptionMB01-159
Legal Block1
Legal Lot Number14.002
JurisdictionSENECA NY
Township / Civil DivisionWATERLOO
Census Block Group3
Census Block3012
Census Tract950500

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 Record2 Individual Names on Record
Mailing Address2220 POWDERLY RD, 100A, WATERLOO, NY 13165-8572
Owner TypeIndividual
VestingMarried Person

Deeds, Mortgages & Sale History

DateDocument
Dec 4, 2012Deed of Trust, Mortgage
COMMUNITY BANK NA
Aug 4, 2025Warranty Deed, Transfer
Nov 18, 2024Warranty Deed, Transfer · FHA Mortgage
ROCKET MORTGAGE
Jun 17, 2008Deed, Transfer
Oct 3, 2005Deed, Transfer
MICHAEL J MIRRAS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 4, 2025 · Amount on Record
Deed SaleAug 4, 2025 · Amount on Record
Prior SaleNov 18, 2024 · Amount on Record
Deed Document Number202571188
Deed Book / Page1125 / 218
Prior Transfer DateApr 24, 2008
Prior Transfer Doc0000000773/000000008
Record UpdatedOct 29, 2026

December 2012: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587
Transaction TypeMortgage
Record UpdatedJun 30, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001427/0000000215
DateDec 4, 2012
Book Page0000001427/0000000215
Instrument0000014615
Lender
NameCOMMUNITY BANK NA
TypeBank
Agreement
AmountAmount Recorded
Term337 Months
DueJan 1, 2041

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateAug 4, 2025
Property Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587
Document Number001125/218
Book / Page1125 / 218
Instrument DateJul 21, 2025
Instrument71188
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2220 POWDERLY RD UNIT 100A, 100A, WATERLOO, NY 13165-8572

November 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateNov 18, 2024
Property Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587
Document Number001110/320
Book / Page1110 / 320
Instrument DateNov 13, 2024
Instrument68527
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587

Mortgage

Document Number0000194046
DateNov 18, 2024
Instrument1940/46
Lender
NameROCKET MORTGAGE
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2054

June 2008: Deed, Transfer

Document TypeDeed
JurisdictionSENECA NY
Recording DateJun 17, 2008
Property Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587
Document Number0000000775/0000000329
Book / Page0000000775 / 0000000329
Instrument DateJun 16, 2008
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

October 2005: Deed, Transfer

Document TypeDeed
JurisdictionSENECA NY
Recording DateOct 3, 2005
Property Address1441 STATE ROUTE 96, WATERLOO, NY 13165-9587
Document Number0000000714/0000000022
Book / Page0000000714 / 0000000022
Instrument DateSep 29, 2005
Transaction TypeTransfer
Record UpdatedJun 30, 2026
Title CompanyMICHAEL J MIRRAS

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1441 ROUTE 96, WATERLOO, NY 13165

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySeneca County
County SubdivisionWaterloo Town
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,427.00 (+5.83%)
2025$5,128.00 (+2.48%)$166,100 (-) Land $18,200 Building $147,900$272,300 (+11.46%) Land $29,837 Building $242,463
2024$5,004.00 (+202.54%)$166,100 (-) Land $18,200 Building $147,900$244,300 (+4.43%) Land $26,769 Building $217,531
2023$166,100 Land $18,200 Building $147,900$233,944 Land $25,634 Building $208,310
2019$1,654.00

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 ZoneNot 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 27 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
GoNetspeed
Fiber		2,000 / 2,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CBN
Fixed Wireless · not low latency		100 / 100
T-Mobile
Fixed Wireless		100 / 20

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