Seneca County and Waterloo Town property record for 228 State Rte 96, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,350 sqft · built 1961 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $117,650 (Oct 2014) |
| Tax Bill | $2,369 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| APN | 453889 14-1-49 |
| Primary APN | 453889 14-1-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,350 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Upper Floors Area | 338 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 47,916 sqft (1.1 acres) |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 24 sqft |
| Porch | Slab |
| Porch Area | 324 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 228 STATE ROUTE 96 |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-9572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 49.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 950600 |
228 State Rte 96 is owned and occupied by two individuals who bought it in October 2014.
Source: Seneca County and Waterloo Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 228 STATE ROUTE 96, WATERLOO, NY 13165-9572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2014 · Amount on File |
| Deed Sale | Oct 3, 2014 · Amount on File |
| Deed Book / Page | 897 / 247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 228 STATE ROUTE 96, WATERLOO, NY 13165-9572 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00001982/1 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 1982/1 |
| Instrument | 73188 |
| Name | CNB MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2026 property tax bill for 228 State Rte 96 was $2,369 with a homeowner's exemption, up 6.1% from the year before.
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,369.00 (+6.09%) Homeowner's exemption | ||
| 2025 | $2,233.00 | $74,800 Land $18,200 Building $56,600 | $122,600 Land $29,830 Building $92,770 |
| 2023 | $74,800 Land $18,200 Building $56,600 | $105,352 Land $25,634 Building $79,718 | |
| 2019 | $3,200.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 228 State Rte 96; there have been 1 flood claim nearby since 1979.
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 risk around 228 State Rte 96 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 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 |
5G (outdoors only) and 4G LTE
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