148 Flood Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 148 Flood Rd, Westerlo, NY 12193

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,452 sqft · built 1800
Lot Size	119 acres (5,183,640 sqft)
Owner	Individual Name on Record
Tax Bill	$929 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Jan 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013800 128.-2-4`

Property Details

APN / Parcel Number

Primary APN	`013800 128.-2-4`
Alternative APNs	`380012800000020040000000` `12800000020040000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,572 sqft
Upper Floors Area	420 sqft

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,183,640 sqft (119 acres)

Exterior Amenities

Porch	Slab
Porch Area	184 sqft
Shed	1 Shed
Canopy	192 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Wood
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12800000020040000000
Street Address	148 FLOOD RD
City	WESTERLO
State	NY
Zip	12193-2306
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1004
Census Tract	14803

Owner

Source: Albany County and Westerlo Town records, as of June 29, 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	148 FLOOD RD, WESTERLO, NY 12193-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE BANK OF GREENE COUNTY
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Nov 9, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	148 FLOOD RD, WESTERLO, NY 12193-2306
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 FLOOD RD, WESTERLO, NY 12193-2306

Mortgage

Document Number	0000000717
Date	Mar 24, 2026
Instrument	R2026-5717

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2041

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	148 FLOOD RD, WESTERLO, NY 12193-2306
Transaction Type	Mortgage
Record Updated	Jul 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 FLOOD RD, WESTERLO, NY 12193-2306

Mortgage

Document Number	0000000073
Date	Jan 13, 2023
Instrument	R2023-873

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 12, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	148 FLOOD RD, WESTERLO, NY 12193-2306
Document Number	0000028375
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 FLOOD RD WESTERLO NY 121932306, WESTERLO, NY 12193-2306

Mortgage

Document Number	0000028375
Date	Nov 27, 2017
Instrument	28375

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2047

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
2025	$929.00 (-11.1%) Homeowner's exemption Senior Citizen's exemption	$1,150 (-) Land $400 Building $750	$198,276 (+10.34%) Land $68,966 Building $129,310
2023		$1,150 (-) Land $400 Building $750	$179,700 (+17.2%) Land $62,504 Building $117,196
2022		$1,150 Land $400 Building $750	$153,333 Land $53,333 Building $100,000
2021	$1,045.00

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 6 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 and 4G LTE (outdoors only)

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