Albany County and Bethlehem Town property record for 20 Bender Ln, Delmar, NY 12054
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,888 sqft · built 1980 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Jul 1995) |
| Tax Bill | $8,162 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012200 86.17-5-1.2 |
| Primary APN | 012200 86.17-5-1.2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,888 sqft Total Area |
| 1st Floor Area | 1,712 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 1,176 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 178 ft deep x 95.8 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Open Porch |
| Porch Area | 440 sqft |
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08601700050010020000 |
|---|---|
| Street Address | 20 BENDER LN |
| City | DELMAR |
| State | NY |
| Zip | 12054-4319 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | CR |
| Legal Block | 5 |
| Legal Lot Number | 1.002 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | BETHLEHEM |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 14201 |
20 Bender Ln, a duplex, is owned and occupied by an individual who bought it in July 1995.
Source: Albany County and Bethlehem Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 BENDER LN, A, DELMAR, NY 12054-4319 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 1995 · Amount on File |
| Deed Sale | Jul 5, 1995 · Amount on File |
| Deed Book / Page | 2536 / 1004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 20 BENDER LN, DELMAR, NY 12054-4319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000000920 |
|---|---|
| Date | Jan 14, 2021 |
| Instrument | R2021-00920 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 20 Bender Ln was $8,162 with a homeowner's exemption.
Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Bethlehem Town |
| Unified School District | Bethlehem Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,162.00 Homeowner's exemption | ||
| 2025 | $259,000 Land $68,500 Building $190,500 | $404,688 Land $107,031 Building $297,657 | |
| 2023 | $259,000 Land $68,500 Building $190,500 | $345,333 Land $91,333 Building $254,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Bender Ln in Zone X, an area of minimal flood risk.
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 | 3 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 20 Bender Ln 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 | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 407 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures