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2396 Reed Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 2396 Reed Rd, Waterloo, NY 13165 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms1 Beds
Bathrooms1 Baths
Year BuiltBuilt 1900
Square Footage1,481 sqft Living Area
Lot Size44,867 sqft (1.03 acres)
OccupancyOwner Occupied
Last Sale$117,000 (2024)
Tax Bill$2,206.00 (2025)

Property Details

APN / Parcel Number

Primary APN453889 21-2-04.112
Alternative APN
  • 388902100000020041120000

Interior

Bedrooms1 Beds
Full Baths1 Baths
Building Area1,481 sqft Living Area
1st Floor937 sqft 1st Floor
2nd Floor544 sqft 2nd Floor
Stories2 Stories

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTraditional Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area44,867 sqft (1.03 acres)

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageSeptic Sewage
Water SourceWell Water Source

Location & Zoning

Street Address2396 REED RD
CityWATERLOO
StateNY
Zip13165-8791
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block2
Legal Lot Number4.112
JurisdictionSENECA NY
Minor Civil DivisionWATERLOO
Census Blockgroup1
Census Block1027
Census Tract950600

Owner

Source: Seneca County and Waterloo Town records · APN 453889 21-2-04.112

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 Record2 Individual Names on File
Mailing Address2396 REED RD, WATERLOO, NY 13165-8791
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 28, 2024Deed of Trust, Mortgage · Stand Alone Refinance
CNB MORTGAGE CO
Apr 29, 2010Deed of Trust, Mortgage
FIVE STAR BANK
Sep 21, 2012Deed of Trust, Mortgage
FIVE STAR BANK
Sep 04, 2012Deed of Trust, Mortgage
FIVE STAR BANK
Mar 11, 2024Deed of Trust, Mortgage · Stand Alone Refinance
CNB MORTGAGE CO
Mar 11, 2024Warranty Deed, Transfer · Stand Alone First Mortgage
CNB MORTGAGE CO
Jul 29, 2015Deed, Transfer
NAVY FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 11, 2024 · Amount on Record
Deed SaleMar 11, 2024 · Amount on Record
Prior SaleJul 29, 2015 · Amount on Record
Deed Book / Page1094 / 332
Record RefreshedJun 08, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number001920/122
DateMar 28, 2024
Book Page1920/122
Instrument66081
Lender
NameCNB MORTGAGE CO
TypeMortgage Company
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

April 2010: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001284/0000000277
DateApr 29, 2010
Book Page0000001284/0000000277
Instrument0000001435
Lender
NameFIVE STAR BANK
TypeBank
Agreement
AmountAmount Recorded
Term81 Months
DueJan 01, 2017

September 2012: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001412/0000000050
DateSep 21, 2012
Book Page0000001412/0000000050
Instrument0000013349
Lender
NameFIVE STAR BANK
TypeBank
Agreement
AmountAmount Recorded

September 2012: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001412/0000000031
DateSep 04, 2012
Book Page0000001412/0000000031
Instrument0000013348
Lender
NameFIVE STAR BANK
TypeBank
Agreement
AmountAmount Recorded
Term88 Months
DueJan 01, 2020

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSENECA NY
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Transaction TypeMortgage
Record UpdatedApr 02, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number001918/216
DateMar 11, 2024
Book Page1918/216
Instrument65888
Lender
NameCNB MORTGAGE CO
TypeMortgage Company
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateMar 11, 2024
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Document Number001094/332
Book / Page1094 / 332
Instrument DateMar 05, 2024
Instrument65886
Transaction TypeTransfer
Record UpdatedApr 03, 2026

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
RelationshipTenant By Entirety
Address2158 PRE EMPTION ST, GENEVA, NY 14456-9308

Mortgage

Document Number0001918192
DateMar 11, 2024
Instrument1918/192
Lender
NameCNB MORTGAGE CO
TypeMortgage Company
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

Mortgage

Document Number001918/216
DateMar 11, 2024
Book Page1918/216
Instrument65888
Lender
NameCNB MORTGAGE CO
TypeMortgage Company
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 01, 2054

July 2015: Deed, Transfer

Document TypeDeed
JurisdictionSENECA NY
Recording DateJul 29, 2015
Property Address2396 REED RD, WATERLOO, NY 13165-8791
Document Number0000000912/0000000262
Book / Page0000000912 / 0000000262
Instrument DateJul 09, 2015
Transaction TypeTransfer
Record UpdatedMay 12, 2022
Title CompanyJOSEPH LUCCHESI

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
Address2396 REED RD, WATERLOO, NY 13165-8791

Mortgage

Document Number0000001547/0000000193
DateJul 29, 2015
Book Page0000001547/0000000193
Lender
NameNAVY FEDERAL CREDIT UNION
TypeCredit Union
Agreement
AmountAmount Recorded
Term354 Months
DueJan 01, 2045

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
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,206.00 (+188.74%)$70,000 (-) Land $17,700 Building $52,300$114,800 (+16.44%) Land $29,028 Building $85,772
2023$70,000 Land $17,700 Building $52,300$98,592 Land $24,930 Building $73,662
2019$764.00

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