Albany County and Guilderland Town property record for 25 Willow St, Guilderland, NY 12084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,026 sqft · built 1800 |
| Lot Size | 0.506 acres (22,048 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,356 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 40.17-1-6 |
| Primary APN | 013089 40.17-1-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,026 sqft Living Area |
| 1st Floor Area | 1,026 sqft |
| Year Built | Built 1800 |
|---|---|
| Effective Year Built | Effective 1800 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 22,048 sqft (0.506 acres) |
| Lot Dimensions | 212 ft deep x 104 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 346 sqft |
| Porch | Porch |
| Porch Area | 144 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04001700010060000000 |
|---|---|
| Street Address | 25 WILLOW ST |
| City | GUILDERLAND |
| State | NY |
| Zip | 12084-9753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Block | 1 |
| Legal Lot Number | 6.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14617 |
25 Willow St is owned and occupied by two individuals.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| 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.
| Date | Document |
|---|---|
| Jun 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage M & T BANK |
| Apr 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 17, 2017 | Loan Modification, Mortgage · FHA Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Document Number | 0000000801 |
|---|---|
| Date | Jun 20, 2023 |
| Instrument | R2023-10801 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 285 Months |
| Due | Mar 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Document Number | 0000000908 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | R2022-10908 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Mar 1, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 25 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Document Number | 0000008116 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 25 WILLOW ST GUILDERLAND NY 120849753, GUILDERLAND, NY 12084-9753 |
| Document Number | 0000008116 |
|---|---|
| Date | Apr 6, 2017 |
| Instrument | 8116 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 5, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2026 property tax bill for 25 Willow St was $4,356 with a homeowner's exemption, up 12.4% from the year before.
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,356.00 (+12.41%) Homeowner's exemption | ||
| 2025 | $3,875.00 Homeowner's exemption | $142,000 Land $28,000 Building $114,000 | $189,333 Land $37,333 Building $152,000 |
| 2023 | $142,000 (-) Land $28,000 Building $114,000 | $167,059 (+7.06%) Land $32,941 Building $134,118 | |
| 2022 | $142,000 Land $28,000 Building $114,000 | $156,044 Land $30,769 Building $125,275 | |
| 2021 | $3,394.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25 Willow St in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 25 Willow St 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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