Seneca County and Waterloo Town property record for 20 Barham Ave, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 725 sqft · built 1951 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $52,000 (Jun 2011) |
| Tax Bill | $2,994 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2021 Line of Credit |
| APN | 453801 08-2-24 |
| Primary APN | 453801 08-2-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 725 sqft Living Area |
| 1st Floor Area | 725 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 140 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 357 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 20 BARHAM AVE |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 95-208 |
| Legal Block | 2 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 950500 |
Source: Seneca County and Waterloo Town records, as of May 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 BARHAM AVE, WATERLOO, NY 13165-1609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK |
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit FIVE STAR BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2011 · Amount on Record |
| Deed Sale | Jun 7, 2011 · Amount on Record |
| Prior Sale | Sep 17, 2009 · Amount on Record |
| Deed Book / Page | 835 / 69 |
| Prior Transfer Date | Jan 15, 2004 |
| Prior Transfer Doc | 0680000212 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 20 BARHAM AVE, WATERLOO, NY 13165-1609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1817/66 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 1817/66 |
| Instrument | 54743 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 20 BARHAM AVE, WATERLOO, NY 13165-1609 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1817/84 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 1817/84 |
| Instrument | 54744 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,994.00 (+84.47%) | $62,000 (-) Land $12,100 Building $49,900 | $101,600 (+16.35%) Land $19,828 Building $81,772 |
| 2023 | $62,000 Land $12,100 Building $49,900 | $87,324 Land $17,042 Building $70,282 | |
| 2019 | $1,623.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | Mar 1990 · 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.
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.
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 286 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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