15 West St, Waterloo, NY 13165 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,236 sqft · built 1920
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$213,830 (May 2026)
Tax Bill	$6,512 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2026 Sale & Mortgage + 1 more
APN	`453801 09-1-31`

Property Details

APN / Parcel Number

Primary APN	`453801 09-1-31`
Alternative APN	`380100900000010310000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,236 sqft Living Area
1st Floor Area	1,469 sqft
2nd Floor Area	767 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	247 ft deep x 81 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	24 sqft
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	15 WEST ST
City	WATERLOO
State	NY
Zip	13165-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	950600

Owner

15 West St is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	15 WEST ST, WATERLOO, NY 13165-1307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Oct 9, 2025	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
May 12, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE CORPORATION
Apr 30, 2015	Deed, Transfer LYONS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on File
Deed Sale	May 12, 2026 · Amount on File
Prior Sale	Apr 30, 2015 · Amount on File
Deed Document Number	202674379
Deed Book / Page	1142 / 132
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	15 WEST ST, WATERLOO, NY 13165-1307
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001970/146
Date	Oct 9, 2025
Book Page	1970/146
Instrument	71943

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount on Record
Term	325 Months
Due	Nov 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	May 12, 2026
Property Address	15 WEST ST, WATERLOO, NY 13165-1307
Document Number	001142/132
Book / Page	1142 / 132
Instrument Date	Apr 28, 2026
Instrument	202674379
Transaction Type	Transfer
Record Updated	Jun 3, 2026

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
Address	15 WEST ST, WATERLOO, NY 13165-1307

Mortgage

Date	May 12, 2026

Lender

Name	PREMIUM MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

April 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Apr 30, 2015
Property Address	15 WEST ST, WATERLOO, NY 13165-1307
Document Number	0000000908/0000000109
Book / Page	0000000908 / 0000000109
Instrument Date	Apr 29, 2015
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	BRADLEY PROZELLER

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
Address	15 WEST ST, WATERLOO, NY 13165-1307

Mortgage

Document Number	0000001537/0000000166
Date	Apr 30, 2015
Book Page	0000001537/0000000166

Lender

Name	LYONS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 15 West St was $6,512, 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	$6,512.00 (+4.28%)
2025	$6,245.00	$130,200 Land $15,700 Building $114,500	$213,400 Land $25,733 Building $187,667
2023		$130,200 Land $15,700 Building $114,500	$183,380 Land $22,113 Building $161,267
2019	$3,243.00

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 West St; 6 flood insurance policies are in force nearby.

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	6 in force

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 West St is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	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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