2107 Mills Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 2107 Mills Rd, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1990
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Aug 2024)
Tax Bill	$4,723 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2021 Refinance + 1 more
APN	`453889 19-1-01.212`

Property Details

APN / Parcel Number

Primary APN	`453889 19-1-01.212`
Alternative APN	`388901900000010012120000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Game Room	Game Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Mixed
Garage Area	1,164 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2107 MILLS RD
City	WATERLOO
State	NY
Zip	13165-9523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB98-131
Legal Block	1
Legal Lot Number	1.212
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3012
Census Tract	950500

Owner

2107 Mills Rd is owned by two individuals who bought it in August 2024.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4345 SHORTSVILLE RD, 40, SHORTSVILLE, NY 14548-9794
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU
Sep 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU
Aug 29, 2019	Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2024 · Amount on File
Deed Sale	Aug 19, 2024 · Amount on File
Prior Sale	Aug 29, 2019 · Amount on File
Deed Document Number	202467495
Deed Book / Page	1104 / 228
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2107 MILLS RD, WATERLOO, NY 13165-9523
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001829/130
Date	Oct 28, 2021
Book Page	1829/130
Instrument	55830

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2047

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2107 MILLS RD, WATERLOO, NY 13165-9523
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1820/1
Date	Sep 1, 2021
Book Page	1820/1
Instrument	54981

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Oct 1, 2048

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Aug 29, 2019
Property Address	2107 MILLS RD, WATERLOO, NY 13165-9523
Document Number	0000997/78
Book / Page	997 / 78
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 MILLS RD, WATERLOO, NY 13165-9523

Mortgage

Document Number	001714/245
Date	Aug 29, 2019
Book Page	1714/245
Instrument	45810

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2107 Mills Rd was $4,723, up 5.8% from the year before.

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,723.00 (+5.78%)
2025	$4,465.00	$143,500 Land $25,100 Building $118,400	$235,200 Land $41,140 Building $194,060
2023		$143,500 Land $25,100 Building $118,400	$202,113 Land $35,352 Building $166,761
2019	$1,486.00

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

Flood

FEMA has no flood map on file for 2107 Mills Rd.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2107 Mills 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 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
CBN Fixed Wireless · not low latency	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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