Seneca County and Fayette Town property record for 18 Grove St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,156 sqft · built 1880 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,120,000 (Sep 2021) |
| Tax Bill | $3,740 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Sep 2021 Sale + 1 more |
| APN | 452201 15-1-40 |
| Primary APN | 452201 15-1-40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,156 sqft Living Area |
| 1st Floor Area | 1,365 sqft |
| 2nd Floor Area | 791 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Detached |
| Garage Area | 1,006 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 18 GROVE ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | FRANK MOORE-LIFE USE |
| Legal Block | 1 |
| Legal Lot Number | 40.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | FAYETTE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 950700 |
18 Grove St is owned by an individual who bought it in September 2021.
Source: Seneca County and Fayette Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1360 MIDDLE BLACK BROOK RD, SENECA FALLS, NY 13148-9756 |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIVE STAR BANK |
| Sep 2, 2021 | Warranty Deed, Transfer |
| Jun 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2021 · Amount on File |
| Deed Sale | Sep 2, 2021 · Amount on File |
| Prior Sale | Jun 22, 2016 · Amount on File |
| Deed Document Number | 202154998 |
| Deed Book / Page | 1039 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Aug 9, 2022 |
| Property Address | 18 GROVE ST, WATERLOO, NY 13165-1814 |
| Document Number | 0001062/35 |
| Book / Page | 1062 / 35 |
| Instrument Date | Aug 9, 2022 |
| Instrument | 59628 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 232, NAPLES, NY 14512-0232 |
| Document Number | 0000059629 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 59629 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 001863/239 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 1863/239 |
| Instrument | 59630 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Sep 2, 2021 |
| Property Address | 18 GROVE ST, WATERLOO, NY 13165-1814 |
| Document Number | 1039/162 |
| Book / Page | 1039 / 162 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 54998 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1087 CLYDE MARENGO RD, CLYDE, NY 14433-9520 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 18 GROVE ST, WATERLOO, NY 13165-1814 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1752/92 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 1752/92 |
| Instrument | 49102 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 18 Grove St was $3,740, up 9.4% from the year before.
Source: Seneca County and Fayette Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Fayette Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,740.00 (+9.42%) | ||
| 2025 | $3,418.00 | $69,200 Land $15,000 Building $54,200 | $121,400 Land $26,315 Building $95,085 |
| 2023 | $69,200 Land $15,000 Building $54,200 | $96,111 Land $20,833 Building $75,278 | |
| 2019 | $2,235.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 18 Grove St; 1 flood insurance policy is in force nearby.
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 | 1 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 risk around 18 Grove St is low, with less than 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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