Albany County and Westerlo Town property record for 245 Co Rte 312, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,168 sqft · built 1880 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100,000 (Feb 2026) |
| Tax Bill | $3,774 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 013800 140.-1-28 |
| Primary APN | 013800 140.-1-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,168 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| 2nd Floor Area | 800 sqft |
| Upper Floors Area | 108 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 162 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 14000000010280000000 |
|---|---|
| Street Address | 245 COUNTY ROUTE 312 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 1 |
| Legal Lot Number | 28.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 14803 |
Source: Albany County and Westerlo Town records, as of July 16, 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 | 245 COUNTY ROUTE 312, WESTERLO, NY 12193-2808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2026 · Amount on Record |
| Deed Sale | Feb 2, 2026 · Amount on Record |
| Prior Sale | Jul 5, 2001 · Amount on Record |
| Deed Document Number | 20262235 |
| Prior Transfer Date | Jan 21, 2026 |
| Prior Transfer Doc | 0000002235 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Jun 15, 2026 |
| Property Address | 245 COUNTY ROUTE 312, WESTERLO, NY 12193-2808 |
| Document Number | 0000011087 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202611087 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 245 COUNTY ROUTE 312, WESTERLO, NY 12193-2808 |
| Document Number | 0000011087, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 202611087 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | Greenville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,774.00 Homeowner's exemption | $1,275 (-) Land $250 Building $1,025 | $219,828 (+10.36%) Land $43,104 Building $176,724 |
| 2023 | $1,275 Land $250 Building $1,025 | $199,200 Land $39,059 Building $160,141 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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