15 Annabelle Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 15 Annabelle Rd, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 2006
Lot Size	9.4 acres (409,464 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Jan 2021)
Tax Bill	$5,428 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`013800 139.-1-5.5`

Property Details

APN / Parcel Number

Primary APN	`013800 139.-1-5.5`
Alternative APNs	`380013900000010050050000` `13900000010050050000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,534 sqft Living Area
1st Floor Area	1,534 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	409,464 sqft (9.4 acres)
Lot Width	743 ft Width
Porch	Slab
Porch Area	240 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13900000010050050000
Street Address	15 ANNABELLE RD
City	WESTERLO
State	NY
Zip	12193-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	1
Legal Lot Number	5.005
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1040
Census Tract	14803

Owner

15 Annabelle Rd is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
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 12, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU
Apr 15, 2020	Deed of Trust, Mortgage · Line of Credit SEFCU
Sep 4, 2019	Deed of Trust, Mortgage SEFCU
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2021 · Amount on File
Deed Sale	Jan 21, 2021 · Amount on File
Deed Document Number	20211636
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COUNTY ROUTE 412, WESTERLO, NY 12193-3600

Mortgage

Document Number	0000000623
Date	Apr 12, 2023
Instrument	R2023-6623

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 11, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205

Mortgage

Document Number	0000002469
Date	Jan 26, 2022
Instrument	R2022-02469

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205

Mortgage

Document Number	0000002468
Date	Jan 26, 2022
Instrument	R2022-02468

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Document Number	0000008381
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANNABELLE RD WESTERLO NY 121932205, WESTERLO, NY 12193-2205

Mortgage

Document Number	0000008381
Date	May 1, 2020
Instrument	8381

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 30, 2035

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Document Number	0000018972
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANNABELLE RD WESTERLO NY 12193, WESTERLO, NY 12193

Mortgage

Document Number	0000018972
Date	Sep 12, 2019
Instrument	18972

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 11, 2034

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	15 ANNABELLE RD, WESTERLO, NY 12193-2205
Document Number	0000022702
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 ANNABELLE RD WESTERLO NY 12193, WESTERLO, NY 12193

Mortgage

Document Number	0000022702
Date	Sep 22, 2017
Instrument	22702

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 21, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 15 Annabelle Rd was $5,428, up 48.1% from the year before.

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	$5,428.00 (+48.1%)
2025	$3,665.00	$1,794 Land $325 Building $1,469	$309,310 Land $56,034 Building $253,276
2023		$1,794 (+1.07%) Land $325 Building $1,469	$280,300 (+18.44%) Land $50,779 Building $229,521
2022		$1,775 Land $325 Building $1,450	$236,667 Land $43,333 Building $193,334
2021	$2,359.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 15 Annabelle Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

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

Wildfire risk around 15 Annabelle Rd is low, with a 0.02% 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	0.02% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Cable · Fiber in parts of the area	400 / 25
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

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