Albany County and Westerlo Town property record for 237 Lake Rd, Berne, NY 12023
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,242 sqft · built 1985 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,728 (2026) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 115.3-2-10 |
| Primary APN | 013800 115.3-2-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,242 sqft Living Area |
| 1st Floor Area | 1,242 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 792 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11500300020100000000 |
|---|---|
| Street Address | 237 LAKE RD |
| City | BERNE |
| State | NY |
| Zip | 12023-4313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1078 |
| Census Tract | 14803 |
237 Lake Rd is owned and occupied by an individual.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 237 LAKE RD, BERNE, NY 12023-4313 |
| 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 | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 237 LAKE RD, BERNE, NY 12023-4313 |
| Document Number | 0000024587 |
| Instrument Date | Oct 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2018 |
| Name | Verified Name |
|---|---|
| Address | 237 LAKE RD BERNE NY 120234313, BERNE, NY 12023-4313 |
| Document Number | 0000024587 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 24587 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 4, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 237 Lake Rd was $2,728 with a homeowner's exemption, up 59% from the year before.
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,728.00 (+58.97%) Homeowner's exemption | ||
| 2025 | $1,716.00 Homeowner's exemption | $1,030 Land $100 Building $930 | $177,586 Land $17,241 Building $160,345 |
| 2023 | $1,030 (-) Land $100 Building $930 | $160,900 (+17.16%) Land $15,621 Building $145,279 | |
| 2022 | $1,030 Land $100 Building $930 | $137,333 Land $13,333 Building $124,000 | |
| 2021 | $1,490.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 237 Lake Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
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 | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 237 Lake 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 | 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 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Cable | 400 / 25 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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