15 Chestnut St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 15 Chestnut St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,608 sqft · built 1875
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2022)
Tax Bill	$4,071 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Aug 2019 Refinance
APN	`453801 04-2-15`

Property Details

APN / Parcel Number

Primary APN	`453801 04-2-15`
Alternative APN	`380100400000020150000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,608 sqft Living Area
1st Floor Area	1,400 sqft
2nd Floor Area	1,208 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Mixed
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	259 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 CHESTNUT ST
City	WATERLOO
State	NY
Zip	13165-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB93-116
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1037
Census Tract	950600

Owner

15 Chestnut St is owned and occupied by two individuals who bought it in June 2022.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	15 CHESTNUT ST, WATERLOO, NY 13165-1015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2022 · Amount on File
Deed Sale	Jun 22, 2022 · Amount on File
Prior Sale	Mar 5, 2001 · Amount on File
Deed Document Number	202258954
Deed Book / Page	1058 / 216
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Jun 22, 2022
Property Address	15 CHESTNUT ST, WATERLOO, NY 13165-1015
Document Number	001058/216
Book / Page	1058 / 216
Instrument Date	Jun 17, 2022
Instrument	58954
Transaction Type	Transfer
Record Updated	Jul 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 SWIFT ST, WATERLOO, NY 13165-1514

Mortgage

Document Number	0000058955
Date	Jun 22, 2022
Instrument	58955

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	15 CHESTNUT ST, WATERLOO, NY 13165-1015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1711/232
Date	Aug 1, 2019
Book Page	1711/232
Instrument	45471

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 15 Chestnut St was $4,071, up 4.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Municipality	Waterloo Village
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,071.00 (+4.28%)
2025	$3,904.00	$81,100 Land $15,500 Building $65,600	$133,000 Land $25,419 Building $107,581
2023		$81,100 Land $15,500 Building $65,600	$114,225 Land $21,831 Building $92,394
2019	$2,034.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 15 Chestnut St; there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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 Chestnut St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	10 ppb (2025) 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 357 locations within half a mile, as of December 31, 2025

Provider	Max 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

May also be available: T-Mobile.

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