2181 Bonnell Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 2181 Bonnell Rd, Waterloo, NY 13165

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,036 sqft · built 1812
Lot Size	11 acres (479,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$51,550 (Mar 2016)
Tax Bill	$1,979 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2021 Mortgage
APN	`453889 17-1-57.4`

Property Details

APN / Parcel Number

Primary APN	`453889 17-1-57.4`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	770 sqft
Upper Floors Area	266 sqft

Exterior

Year Built	Built 1812
Effective Year Built	Effective 1812
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	479,160 sqft (11 acres)
Porch	Slab
Porch Area	130 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2181 BONNELL RD
City	WATERLOO
State	NY
Zip	13165-9571
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	57.004
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1012
Census Tract	950600

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2443 MANEY RD, WATERLOO, NY 13165-9721
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2023	Deed of Trust, Mortgage · Line of Credit LYONS SAVINGS BANK
Feb 4, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LYONS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2016 · Amount on Record
Deed Sale	Mar 14, 2016 · Amount on Record
Prior Sale	Jun 9, 2011 · Amount on Record
Deed Book / Page	925 / 137
Prior Transfer Date	Jul 13, 2000
Prior Transfer Doc	0608000013
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2181 BONNELL RD, WATERLOO, NY 13165-9571
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001896/328
Date	Aug 9, 2023
Book Page	1896/328
Instrument	63613

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2181 BONNELL RD, WATERLOO, NY 13165-9571
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1787/324
Date	Feb 4, 2021
Book Page	1787/324
Instrument	52083

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Tax Assessment & Valuation

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	$1,979.00 (+6.06%)
2025	$1,866.00 (-1.01%)	$62,300 (-) Land $27,500 Building $34,800	$102,100 (+16.36%) Land $45,068 Building $57,032
2023		$62,300 Land $27,500 Building $34,800	$87,746 Land $38,732 Building $49,014
2019	$1,885.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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