177 Flood Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 177 Flood Rd, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,016 sqft · built 1997
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Tax Bill	$4,755 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013800 128.-2-1`

Property Details

APN / Parcel Number

Primary APN	`013800 128.-2-1`
Alternative APNs	`380012800000020010000000` `12800000020010000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	1,344 sqft
Upper Floors Area	672 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	244 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	12800000020010000000
Street Address	177 FLOOD RD
City	WESTERLO
State	NY
Zip	12193-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1005
Census Tract	14803

Owner

177 Flood Rd is owned and occupied by an individual.

Source: Albany County and Westerlo Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	177 FLOOD RD, WESTERLO, NY 12193-2307
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Sep 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Aug 7, 2020	Loan Modification, Mortgage · Conventional with PMI CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	177 FLOOD RD, WESTERLO, NY 12193-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019131
Date	Sep 16, 2019
Instrument	R2019-19131

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 10, 2024

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	177 FLOOD RD, WESTERLO, NY 12193-2307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021612
Date	Sep 25, 2020
Instrument	R2020-21612

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2040

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	177 FLOOD RD, WESTERLO, NY 12193-2307
Document Number	0000021612
Instrument Date	Aug 7, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	MERIDIAN RESEARCH GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 FLOOD RD WESTERLO NY 121932307, WESTERLO, NY 12193-2307

Mortgage

Document Number	0000021612
Date	Sep 25, 2020
Instrument	21612

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Sep 24, 2040

Interest

Rate Type	Adjustable Rate
Rate	2.5%

Tax Assessment & Valuation

The 2026 property tax bill for 177 Flood Rd was $4,755 with a homeowner's exemption, up 54.2% from the year before.

Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Westerlo Town
Unified School District	Berne-Knox-Westerlo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,755.00 (+54.18%) Homeowner's exemption
2025	$3,084.00 Homeowner's exemption	$1,700 Land $250 Building $1,450	$293,103 Land $43,103 Building $250,000
2023		$1,700 (-) Land $250 Building $1,450	$265,600 (+17.18%) Land $39,059 Building $226,541
2022		$1,700 Land $250 Building $1,450	$226,667 Land $33,333 Building $193,334
2021	$2,799.00

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

Flood

FEMA maps place 177 Flood Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2005–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 177 Flood Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber	5,000 / 5,000

Cell Coverage

5G and 4G LTE (outdoors only)

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