Albany County and Bethlehem Town property record for 23 Bender Ln, Delmar, NY 12054
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,421 sqft · built 1935 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jun 2023) |
| Tax Bill | $6,437 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012200 86.13-4-32 |
| Primary APN | 012200 86.13-4-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,421 sqft Living Area |
| 1st Floor Area | 845 sqft |
| Upper Floors Area | 576 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 150 ft deep x 75.1 ft wide |
| Porch | Slab |
| Porch Area | 301 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08601300040320000000 |
|---|---|
| Street Address | 23 BENDER LN |
| City | DELMAR |
| State | NY |
| Zip | 12054-4322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | ALBANY SAND & SUPPLY CO LOT 4 BLK C ELSMERE |
| Legal Block | 4 |
| Legal Lot Number | 32.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | BETHLEHEM |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 14201 |
Source: Albany County and Bethlehem 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 | Individual Name on Record |
|---|---|
| Mailing Address | 23 BENDER LN, DELMAR, NY 12054-4322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2023 | Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU |
| Jan 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2023 · Amount on Record |
| Deed Sale | Jun 14, 2023 · Amount on Record |
| Prior Sale | Dec 17, 2014 · Amount on Record |
| Deed Document Number | 202310500 |
| Prior Transfer Date | Dec 27, 2004 |
| Prior Transfer Doc | 0027890322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 23 BENDER LN, DELMAR, NY 12054-4322 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Title Company | PATRICK ABSTRACT AND TITLE, PAC ABSTRACT AND TITLE |
| Name | Verified Name |
|---|---|
| Address | 302 KENWOOD AVE 3, 3, DELMAR, NY 12054-2034 |
| Document Number | 0000000501 |
|---|---|
| Date | Jun 14, 2023 |
| Instrument | R2023-10501 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.87% |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 23 BENDER LN, DELMAR, NY 12054-4322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000786 |
|---|---|
| Date | Jan 10, 2019 |
| Instrument | R2019-00786 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 23 BENDER LN, DELMAR, NY 12054-4322 |
| Document Number | 0000010995 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | SMPR TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 23 BENDER LN DELMAR NY 120544322, DELMAR, NY 12054-4322 |
| Document Number | 0000010995 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 10995 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 16, 2035 |
Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Bethlehem Town |
| Unified School District | Bethlehem Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,437.00 (+1.1%) | ||
| 2025 | $6,367.00 | $193,000 (-) Land $56,300 Building $136,700 | $301,563 (+17.19%) Land $87,969 Building $213,594 |
| 2023 | $193,000 Land $56,300 Building $136,700 | $257,333 Land $75,067 Building $182,266 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2007 · Severe Storms And Inland And Coastal Flooding |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 407 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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