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17 Oak St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 17 Oak St, Waterloo, NY 13165

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,316 sqft · built 1910
Lot Size0.12 acres (5,227 sqft)
OwnerIndividual Name on Record
Last Sale$112,000 (Dec 2022)
Tax Bill$3,956 (2026)
Deeds & MortgagesDec 2022 Sale & Mortgage
APN453801 09-2-45

Property Details

APN / Parcel Number

Primary APN453801 09-2-45
Alternative APN
  • 380100900000020450000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,316 sqft Living Area
1st Floor Area588 sqft
2nd Floor Area728 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleColonial
Exterior MaterialWood
Lot Area5,227 sqft (0.12 acres)
Lot Dimensions148 ft deep x 42 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area584 sqft
Shed1 Shed
Shed Area100 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address17 OAK ST
CityWATERLOO
StateNY
Zip13165-1318
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal DescriptionMB97-137
Legal Block2
Legal Lot Number45.000
JurisdictionSENECA NY
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2017
Census Tract950600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address17 OAK ST, WATERLOO, NY 13165-1318
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 1, 2022 · Amount on Record
Deed SaleDec 1, 2022 · Amount on Record
Prior SaleJul 1, 2015 · Amount on Record
Deed Document Number202261062
Deed Book / Page1069 / 140
Prior Transfer DateApr 3, 2012
Prior Transfer Doc0000000852/000000026
Record UpdatedOct 29, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateDec 1, 2022
Property Address17 OAK ST, WATERLOO, NY 13165-1318
Document Number001069/140
Book / Page1069 / 140
Instrument DateNov 30, 2022
Instrument61062
Transaction TypeTransfer
Record UpdatedJan 10, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3758 WAYNE CENTER RD, LYONS, NY 14489-9321

Mortgage

Document Number0000061063
DateDec 1, 2022
Instrument61063
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySeneca County
County SubdivisionWaterloo Town
MunicipalityWaterloo Village
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,956.00 (+4.24%)
2025$3,795.00 (+91.96%)$78,800 (-) Land $10,100 Building $68,700$129,200 (+16.41%) Land $16,560 Building $112,640
2023$78,800 Land $10,100 Building $68,700$110,986 Land $14,225 Building $96,761
2019$1,977.00

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 ZoneNot on file
Nearby Flood Policies6 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 RiskLow
lower than 93% of the US · lower than 89% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWATERLOO VILLAGE
serves 7,000 people · EPA ID NY4901199
Water SourceSurface water
Last State InspectionSep 2024
Lead10 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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