16 Locust St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 16 Locust St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$46,000 (Mar 1996)
Tax Bill	$3,931 (2026)
Deeds & Mortgages	Jan 2020 Refinance Jan 2020 Sale
APN	`453801 09-3-07`

Property Details

APN / Parcel Number

Primary APN	`453801 09-3-07`
Alternative APN	`380100900000030070000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,352 sqft Living Area
1st Floor Area	788 sqft
2nd Floor Area	564 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Porch	Slab
Porch Area	636 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16 LOCUST ST
City	WATERLOO
State	NY
Zip	13165-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB96-55
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2004
Census Tract	950600

Owner

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	Individual Name on Record
Mailing Address	16 LOCUST ST, WATERLOO, NY 13165-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SUMMIT FCU
Jan 9, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 1996 · Amount on Record
Deed Sale	Mar 29, 1996 · Amount on Record
Deed Book / Page	539 / 56
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	16 LOCUST ST, WATERLOO, NY 13165-1325
Transaction Type	Mortgage
Record Updated	Mar 14, 2024
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001731/231
Date	Jan 9, 2020
Book Page	1731/231
Instrument	47496

Lender

Name	SUMMIT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Jan 9, 2020
Property Address	16 LOCUST ST, WATERLOO, NY 13165-1325
Document Number	001005/313
Book / Page	1005 / 313
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 LOCUST ST, WATERLOO, NY 13165-1325

Tax Assessment & Valuation

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	$3,931.00 (+4.24%) Homeowner's exemption
2025	$3,771.00 (+91.91%)	$78,300 (-) Land $13,300 Building $65,000	$128,400 (+16.43%) Land $21,810 Building $106,590
2023		$78,300 Land $13,300 Building $65,000	$110,282 Land $18,732 Building $91,550
2019	$1,965.00

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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 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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