Albany County and Westerlo Town property record for 207 Flood Rd, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,577 sqft · built 2020 |
| Lot Size | 86.6 acres (3,772,296 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,076 (2026) |
| Deeds & Mortgages | Mar 2022 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 116.-2-27.12 |
| Primary APN | 013800 116.-2-27.12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,577 sqft Living Area |
| 1st Floor Area | 1,577 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,772,296 sqft (86.6 acres) |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Canopy | 320 sqft |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Geothermal |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11600000020270120000 |
|---|---|
| Street Address | 207 FLOOD RD |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 27.012 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 14803 |
207 Flood Rd is owned and occupied by an individual.
Source: Albany County and Westerlo 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 | Individual Name on File |
|---|---|
| Mailing Address | 207 FLOOD RD, WESTERLO, NY 12193-2309 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Dec 11, 2020 | Deed of Trust, Mortgage LOAN ONE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 207 FLOOD RD, WESTERLO, NY 12193-2309 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 207 FLOOD RD, WESTERLO, NY 12193-2309 |
| Document Number | 0000000749 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | R2022-7749 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 21, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 207 FLOOD RD, WESTERLO, NY 12193-2309 |
| Document Number | 0000030813 |
| Instrument Date | Dec 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2021 |
| Title Company | GENESIS TITLE AGENCY LLC, GENESIS TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 207 FLOOD RD WESTERLO NY 121932309, WESTERLO, NY 12193-2309 |
| Document Number | 0000030813 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 30813 |
| Name | LOAN ONE |
|---|---|
| Type | Funding / Finance Company |
| Address | GAHANNA, OH 43230 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 20, 2035 |
The 2026 property tax bill for 207 Flood Rd was $9,076, up 48.1% from the year before.
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,076.00 (+48.11%) | ||
| 2025 | $6,128.00 | $3,000 Land $600 Building $2,400 | $517,241 Land $103,448 Building $413,793 |
| 2023 | $3,000 (-) Land $600 Building $2,400 | $468,800 (+17.2%) Land $93,760 Building $375,040 | |
| 2022 | $3,000 Land $600 Building $2,400 | $400,000 Land $80,000 Building $320,000 | |
| 2021 | $5,861.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 207 Flood Rd 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 |
|
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 207 Flood Rd 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.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber | 5,000 / 5,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures