2 Co Rte 413, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 2 Co Rte 413, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,446 sqft · built 1972
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jun 2021)
Tax Bill	$6,069 (2026)
Deeds & Mortgages	May 2023 Line of Credit Oct 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013800 138.-2-27`

Property Details

APN / Parcel Number

Primary APN	`013800 138.-2-27`
Alternative APNs	`380013800000020270000000` `13800000020270000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,446 sqft Living Area
1st Floor Area	1,446 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	3,040 sqft
Parking Spaces	11 Parking Spaces
Porch	Slab
Porch Area	558 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13800000020270000000
Street Address	2 COUNTY ROUTE 413
City	WESTERLO
State	NY
Zip	12193-3314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	27.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1083
Census Tract	14803

Owner

Source: Albany County and Westerlo 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 Record	2 Individual Names on Record
Mailing Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES FCU
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on Record
Deed Sale	Jun 28, 2021 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Document Number	202119023
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314

Mortgage

Document Number	0000000155
Date	May 23, 2023
Instrument	R2023-9155

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 16, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314

Mortgage

Document Number	0000001235
Date	Oct 15, 2021
Instrument	R2021-31235

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2 COUNTY ROUTE 413, WESTERLO, NY 12193-3314
Document Number	0000019227
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COUNTY ROUTE 413 WESTERLO NY 121933314, WESTERLO, NY 12193-3314

Mortgage

Document Number	0000019227
Date	Sep 16, 2019
Instrument	19227

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2039

Tax Assessment & Valuation

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	$6,069.00 (+48.1%)
2025	$4,098.00 (+16.02%)	$2,006 (+5.52%) Land $200 Building $1,806	$345,862 (+16.45%) Land $34,483 Building $311,379
2023		$1,901 (-) Land $200 Building $1,701	$297,000 (+17.18%) Land $31,247 Building $265,753
2022		$1,901 Land $200 Building $1,701	$253,467 Land $26,667 Building $226,800
2021	$3,532.00

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

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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 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

May also be available: Verizon.

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