185 State Rte 143, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 185 State Rte 143, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,464 sqft · built 1968
Lot Size	12 acres (522,720 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Oct 2007)
Tax Bill	$5,331 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 139.-2-28`

Property Details

APN / Parcel Number

Primary APN	`013800 139.-2-28`
Alternative APNs	`380013900000020280000000` `13900000020280000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	976 sqft
Upper Floors Area	488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	522,720 sqft (12 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13900000020280000000
Street Address	185 STATE ROUTE 143
City	WESTERLO
State	NY
Zip	12193-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	28.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1035
Census Tract	14803

Owner

185 State Rte 143 is owned and occupied by two individuals who acquired it in March 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	185 STATE ROUTE 143, WESTERLO, NY 12193-2607
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
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2007 · Amount on File
Deed Sale	Oct 16, 2007 · Amount on File
Prior Sale	Oct 16, 2007 · Amount on File
Deed Document Number	200710055395
Deed Book / Page	2900 / 469
Last Transfer Date	Mar 13, 2008
Transfer Doc	2914000736
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jun 17, 2026
Property Address	185 STATE ROUTE 143, WESTERLO, NY 12193-2607
Document Number	0000011349
Instrument Date	Jun 12, 2026
Instrument	202611349
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 STATE ROUTE 143, WESTERLO, NY 12193-2607

Mortgage

Document Number	0000011349,
Date	Jun 17, 2026
Instrument	202611349

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 25, 2046

Interest

Rate	6.36%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	185 STATE ROUTE 143, WESTERLO, NY 12193-2607
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009419
Date	Dec 9, 2020
Instrument	R2020-29419

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 185 State Rte 143 was $5,331, 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	$5,331.00 (+0.13%)
2025	$5,324.00	$1,600 Land $300 Building $1,300	$275,862 Land $51,724 Building $224,138
2023		$1,600 Land $300 Building $1,300	$250,000 Land $46,875 Building $203,125

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 185 State Rte 143 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 185 State Rte 143 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Cable	400 / 25
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on State Rte 143

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures