166 3rd St, Waterford, NY 12188 Property Records

Saratoga County and Waterford Town property record for 166 3rd St, Waterford, NY 12188

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,478 sqft · built 1860
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Tax Bill	$4,117 (2025)
Deeds & Mortgages	May 2020 Mortgage Jul 2018 Mortgage
APN	`415489 291.48-1-20`

Property Details

APN / Parcel Number

Primary APN	`415489 291.48-1-20`
Alternative APN	`5 J02495`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,478 sqft Total Area
1st Floor Area	1,378 sqft
2nd Floor Area	1,100 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	No Foundation
Lot Area	40,511 sqft (0.93 acres)
Lot Width	41.8 ft Width
Porch	Slab
Porch Area	253 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5 J02495
Street Address	166 3RD ST
City	WATERFORD
State	NY
Zip	12188-1929
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SARATOGA NY
Township / Civil Division	WATERFORD
Census Block Group	1
Census Block	1016
Census Tract	62700

Owner

166 3rd St, a duplex, is owned and occupied by an individual who acquired it in September 2014.

Source: Saratoga County and Waterford Town records, as of April 20, 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 File
Mailing Address	166 3RD ST, WATERFORD, NY 12188-1929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
Jul 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 1999
Deed Sale	Jul 14, 1999
Deed Book / Page	1523 / 728
Last Transfer Date	Sep 30, 2014
Transfer Doc	0000029446
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	166 3RD ST, WATERFORD, NY 12188-1929
Document Number	0000022738
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 3RD ST #2 WATERFORD NY 121881929, 2, WATERFORD, NY 12188-1929

Mortgage

Document Number	0000022738
Date	Aug 27, 2020
Instrument	22738

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 26, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SARATOGA NY
Property Address	166 3RD ST, WATERFORD, NY 12188-1929
Document Number	0000023848
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 3RD ST #2 WATERFORD NY 121881929, 2, WATERFORD, NY 12188-1929

Mortgage

Document Number	0000023848
Date	Aug 8, 2018
Instrument	23848

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 7, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 166 3rd St was $4,117 with exemptions applied.

Source: Saratoga County and Waterford Town assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	New York
County	Saratoga County
County Subdivision	Waterford Town
Unified School District	Waterford-Halfmoon Union Free School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,117.00	$160,000 Land $58,600 Building $101,400	$231,884 Land $84,928 Building $146,956
2023		$160,000 Land $58,600 Building $101,400	$200,000 Land $73,250 Building $126,750

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 166 3rd St; there have been 40 flood claims 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
Flood Insurance Cost	Premium on File median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	40 (1979–2018)
Claims Outside the SFHA	1 of 40
Most Recent Claim	Apr 2018 · other causes
Claims by Event	Hurricane Irene, Aug 2011 · 10 claims Severe Storms And Flooding, Jan 1998 · 7 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 166 3rd 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	Direct burnable vegetation

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	WATERFORD WATER WORKS (PURCHASE TROY) serves 9,800 people · EPA ID NY4500173
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	4 ppb (2026) 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 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: SLICFiber.

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