18 Cardona Ct, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 18 Cardona Ct, Westerlo, NY 12193

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 4,239 sqft · built 1985
Lot Size	22.6 acres (987,941 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Nov 2023)
Tax Bill	$12,994 (2026)
Deeds & Mortgages	Feb 2019 Line of Credit Sep 2019 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`013800 140.-1-22.20`

Property Details

APN / Parcel Number

Primary APN	`013800 140.-1-22.20`
Alternative APNs	`380014000000010220200000` `14000000010220200000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,239 sqft Living Area
1st Floor Area	2,015 sqft
2nd Floor Area	2,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	987,941 sqft (22.6 acres)
Garage Type	Mixed
Garage Area	1,099 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	534 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14000000010220200000
Street Address	18 CARDONA CT
City	WESTERLO
State	NY
Zip	12193-2501
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RDA
Legal Block	1
Legal Lot Number	22.020
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1033
Census Tract	14803

Owner

18 Cardona Ct, a rural home, is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	18 CARDONA CT, WESTERLO, NY 12193-2501
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
Feb 21, 2019	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Jan 7, 2019	Quit Claim Deed, Transfer AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INS CO
Jul 25, 2018	Grant Deed, Transfer ATTORNEY ONLY
May 24, 2018	Trustee's Deed, Foreclosure Foreclosure Auction
May 24, 2018	Trustee's Deed, Transfer PARAMOUNT LAND INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2023 · Amount on File
Deed Sale	Nov 29, 2023 · Amount on File
Prior Sale	Jul 25, 2018 · Amount on File
Deed Document Number	202321516
Prior Transfer Date	Apr 22, 2014
Prior Transfer Doc	0030970276
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003587
Date	Feb 21, 2019
Instrument	R2019-03587

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 14, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008309
Date	Sep 5, 2019
Instrument	R2019-18309

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 28, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007337
Date	Nov 20, 2020
Instrument	R2020-27337

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 13, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CARDONA CT, WESTERLO, NY 12193-2501

Mortgage

Document Number	0000007853
Date	Dec 14, 2021
Instrument	R2021-37853

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 13, 2041

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	Jan 7, 2019
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Document Number	0000000450
Instrument Date	Jan 5, 2019
Instrument	450
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	AMTRUST TITLE INSURANCE COMPANY, AMTRUST TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 CARDONA CT WESTERLO NY 121932501, WESTERLO, NY 12193-2501

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 25, 2018
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Document Number	0000016467
Instrument Date	Jul 6, 2018
Instrument	16467
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 ELM LN EXT GREENVILLE NY 120831831, GREENVILLE, NY 12083-1831

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ALBANY NY
Recording Date	May 24, 2018
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Document Number	0020181324
Book / Page	002018 / 011324
Instrument Date	May 11, 2018
Transaction Type	Foreclosure
Record Updated	Jul 2, 2018

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1455 BROAD ST BLOOMFIELD NJ 070033047, BLOOMFIELD, NJ 07003-3047

May 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	ALBANY NY
Recording Date	May 24, 2018
Property Address	18 CARDONA CT, WESTERLO, NY 12193-2501
Document Number	0000011324
Instrument Date	May 11, 2018
Instrument	11324
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	PARAMOUNT LAND INC

Transaction

Amount	Amount on Record
Tax	$1,600.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1455 BROAD ST BLOOMFIELD NJ 070033047, BLOOMFIELD, NJ 07003-3047

Tax Assessment & Valuation

The 2026 property tax bill for 18 Cardona Ct was $12,994, up 0.1% 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	Greenville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,994.00 (+0.14%)
2025	$12,976.00	$3,900 Land $500 Building $3,400	$672,414 Land $86,207 Building $586,207
2023		$3,900 Land $500 Building $3,400	$609,400 Land $78,128 Building $531,272

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 18 Cardona Ct 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 18 Cardona Ct 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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