2 Harding Ave, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 2 Harding Ave, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,874 sqft · built 1930
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Feb 2001)
Tax Bill	$7,507 (2026)
Deeds & Mortgages	Jun 2019 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012200 85.11-3-8`

Property Details

APN / Parcel Number

Primary APN	`012200 85.11-3-8`
Alternative APNs	`22000850110003008000` `08501100030080000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,874 sqft Living Area
1st Floor Area	1,334 sqft
2nd Floor Area	540 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	175 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	08501100030080000000
Street Address	2 HARDING AVE
City	DELMAR
State	NY
Zip	12054-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	INCLUDES LOT 9.2 DELMAR
Legal Subdivision	DELMAR
Legal Block	3
Legal Lot Number	8.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3000
Census Tract	14100

Owner

2 Harding Ave is owned and occupied by two individuals who bought it in February 2001.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2 HARDING AVE, DELMAR, NY 12054-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2019	Deed of Trust, Mortgage · Line of Credit SEFCU
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2001 · Amount on File
Deed Sale	Feb 15, 2001 · Amount on File
Deed Book / Page	2675 / 687
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2 HARDING AVE, DELMAR, NY 12054-1008
Document Number	0000014544
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HARDING AVE DELMAR NY 120541008, DELMAR, NY 12054-1008

Mortgage

Document Number	0000014544
Date	Jul 22, 2019
Instrument	14544

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 21, 2034

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2 HARDING AVE, DELMAR, NY 12054-1008
Document Number	0000030940
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 HARDING AVE DELMAR NY 120541008, DELMAR, NY 12054-1008

Mortgage

Document Number	0000030940
Date	Dec 26, 2017
Instrument	30940

Lender

Name	SEFCU
Type	Mortgage Company
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 25, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 2 Harding Ave was $7,507 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,507.00 Homeowner's exemption
2025		$240,000 Land $63,500 Building $176,500	$375,000 Land $99,219 Building $275,781
2023		$240,000 Land $63,500 Building $176,500	$320,000 Land $84,667 Building $235,333

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

Flood

FEMA maps place 2 Harding Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2013 · other causes

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 2 Harding Ave 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 414 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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