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221 E Main St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 221 E Main St, Waterloo, NY 13165 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1896
Square Footage1,160 sqft Living Area
Lot Size3,920 sqft (0.09 acres)
GarageAttached, 663 sqft
Last Sale$4,000,000 (2025)
Tax Bill$1,554.00 (2025)

Property Details

APN / Parcel Number

Primary APN453801 11-2-54
Alternative APN
  • 380101100000020540000000

Interior

Bedrooms2 Beds
Full Baths1 Baths
Building Area1,160 sqft Living Area
1st Floor663 sqft 1st Floor
Upper Floors497 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1896
Effective Year BuiltEffective 1896
Architectural StyleTraditional Style
Exterior MaterialWood Exterior
Lot Area3,920 sqft (0.09 acres)
Depth X Width165 ft x 24 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area663 sqft Garage
Porch Area208 sqft Porch

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address221 E MAIN ST
CityWATERLOO
StateNY
Zip13165-1508
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block2
Legal Lot Number54.000
JurisdictionSENECA NY
Minor Civil DivisionWATERLOO
Census Blockgroup2
Census Block2011
Census Tract950500

Owner

Source: Seneca County and Waterloo Town records · APN 453801 11-2-54

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 RecordCompany Name on File
Mailing Address108 FALL ST, SENECA FALLS, NY 13148-1472
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2025Deed of Trust, Mortgage · Stand Alone Refinance
EMPIRE STATE CERTIFIED DEVELOPMENT CORP
Aug 24, 2021Warranty Deed, Transfer · Stand Alone First Mortgage
MORTGAGE RESEARCH CENTER LLC
Jun 17, 2019Deed of Trust, Mortgage · Stand Alone Refinance
LYONS SAVINGS BANK
Sep 11, 2019Deed, Transfer · Stand Alone First Mortgage
LYONS SAVINGS BANK
Apr 11, 2018Executor's Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 31, 2025 · Amount on Record
Deed SaleJul 31, 2025 · Amount on Record
Prior SaleAug 24, 2021 · Amount on Record
Deed Book / Page1125 / 101
Record RefreshedJun 08, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address221 E MAIN ST, WATERLOO, NY 13165-1508
Transaction TypeMortgage
Record UpdatedApr 21, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number001962/316
DateJul 31, 2025
Book Page1962/316
Instrument71121
Lender
NameEMPIRE STATE CERTIFIED DEVELOPMENT CORP
Agreement
TypeStand Alone Refinance
AmountAmount Recorded

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateAug 24, 2021
Property Address221 E MAIN ST, WATERLOO, NY 13165-1508
Document Number1038/249
Book / Page1038 / 249
Instrument DateAug 13, 2021
Instrument54854
Transaction TypeTransfer
Record UpdatedOct 12, 2021

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8 SMITH ST, SODUS, NY 14551-1008
InvestorPossibly a Property Investor

Mortgage

Document Number54855
DateAug 24, 2021
Instrument54855
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address221 E MAIN ST, WATERLOO, NY 13165-1508
Transaction TypeMortgage
Record UpdatedOct 06, 2020

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number1706/106
DateJun 17, 2019
Book Page1706/106
Instrument44949
Lender
NameLYONS SAVINGS BANK
TypeBank
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term229 Months
DueJul 01, 2038

September 2019: Deed, Transfer

Document TypeDeed
JurisdictionSENECA NY
Recording DateSep 11, 2019
Property Address221 E MAIN ST, WATERLOO, NY 13165-1508
Document Number000997/290
Book / Page997 / 290
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 E MAIN ST, WATERLOO, NY 13165-1508

Mortgage

Document Number00001716/1
DateSep 11, 2019
Book Page1716/1
Instrument45933
Lender
NameLYONS SAVINGS BANK
TypeBank
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded
Term349 Months
DueOct 01, 2048

April 2018: Executor's Deed, Transfer

Document TypeExecutor's Deed
JurisdictionSENECA NY
Recording DateApr 11, 2018
Property Address221 E MAIN ST, WATERLOO, NY 13165-1508
Document Number000968/216
Book / Page968 / 216
Transaction TypeTransfer
Record UpdatedMay 12, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2194 WESTBROOK RD, SENECA FALLS, NY 13148-8757

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,554.00 (+91.62%)$32,200 (-) Land $7,700 Building $24,500$52,800 (+16.42%) Land $12,626 Building $40,174
2023$32,200 Land $7,700 Building $24,500$45,352 Land $10,845 Building $34,507
2019$811.00

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