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21 Mill St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 21 Mill St, Waterloo, NY 13165 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 943 sqft · built 1894
Lot Size0.11 acres (4,792 sqft)
OwnerIndividual Name on File
Last Sale$53,500 (Dec 2010)
Tax Bill$2,793 (2025)
Deeds & MortgagesFeb 2019 Refinance
Dec 2010 Sale & Mortgage
APN453801 11-1-35

Property Details

APN / Parcel Number

Primary APN453801 11-1-35
Alternative APN
  • 380101100000010350000000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area943 sqft Living Area
1st Floor Area696 sqft
Upper Floors Area247 sqft

Exterior

Year BuiltBuilt 1894
Effective Year BuiltEffective 1894
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area4,792 sqft (0.11 acres)
PorchSlab
Porch Area90 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address21 MILL ST
CityWATERLOO
StateNY
Zip13165-1629
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMB72-129
Legal Block1
Legal Lot Number35.000
JurisdictionSENECA NY
Township / Civil DivisionWATERLOO
Census Block Group1
Census Block1012
Census Tract950500

Owner

Source: Seneca County and Waterloo Town records · APN 453801 11-1-35

Assessment roll updated May 14, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1956 PRE EMPTION ST, GENEVA, NY 14456-9507
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 06, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
WATERLOO VILLAGE OF
Dec 17, 2010Deed, Transfer · USDA Mortgage
USDA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 17, 2010 · Amount on Record
Deed SaleDec 17, 2010 · Amount on Record
Prior SaleMay 18, 2001 · Amount on Record
Deed Book / Page827 / 180
Record UpdatedJun 08, 2026

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address21 MILL ST, WATERLOO, NY 13165-1629
Transaction TypeMortgage
Record UpdatedSep 15, 2020

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1696/1
DateFeb 06, 2019
Book Page1696/1
Instrument43427
Lender
NameWATERLOO VILLAGE OF
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

December 2010: Deed, Transfer

Document TypeDeed
JurisdictionSENECA NY
Recording DateDec 17, 2010
Property Address21 MILL ST, WATERLOO, NY 13165-1629
Document Number0000000827/0000000180
Book / Page0000000827 / 0000000180
Instrument DateDec 16, 2010
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001315/0000000149
DateDec 17, 2010
Book Page0000001315/0000000149
Instrument0000004429
Lender
NameUSDA
TypeGovernment Agency
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term349 Months
DueJan 01, 2040

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateNew York
CountySeneca County
County SubdivisionWaterloo Town
MunicipalityWaterloo Village
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,793.00 (+91.3%)$57,800 (-) Land $9,800 Building $48,000$94,800 (+16.45%) Land $16,073 Building $78,727
2023$57,800 Land $9,800 Building $48,000$81,408 Land $13,803 Building $67,605
2019$1,460.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360999505001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneNot on file
Nearby Flood Claims1 (1990)
Most Recent ClaimMar 1990, other causes

Wildfire

Wildfire RiskLow
above 7% of the US · above 11% of New York
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)Low Latency
GoNetspeedFiber2,000 / 2,000Yes
SpectrumCable1,000 / 1,000Yes
VerizonFixed Wireless300 / 20Yes
Compass Broadband NetworkFixed Wireless (unlicensed)100 / 100No
T-Mobile USAFixed Wireless100 / 20Yes

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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