2524 Edwards Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 2524 Edwards Rd, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,222 sqft · built 1960
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (May 1995)
Tax Bill	$2,645 (2026)
Deeds & Mortgages	Nov 2019 Refinance Oct 2023 Line of Credit + 1 more
APN	`453889 20-1-40`

Property Details

APN / Parcel Number

Primary APN	`453889 20-1-40`
Alternative APN	`388902000000010400000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,222 sqft Living Area
1st Floor Area	1,222 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	26,136 sqft (0.6 acres)
Lot Dimensions	150 ft deep x 175 ft wide

Exterior Amenities

Porch	Slab
Porch Area	344 sqft
Shed	1 Shed
Shed Area	1,500 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2524 EDWARDS RD
City	WATERLOO
State	NY
Zip	13165-8419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB95-127
Legal Block	1
Legal Lot Number	40.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1024
Census Tract	950600

Owner

Source: Seneca County and Waterloo 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	2524 EDWARDS RD, WATERLOO, NY 13165-8419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK
Oct 6, 2023	Deed of Trust, Mortgage · Line of Credit LYONS SAVINGS BANK
Nov 26, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 1995 · Amount on Record
Deed Sale	May 30, 1995 · Amount on Record
Deed Book / Page	529 / 139
Last Transfer Date	Aug 21, 2001
Transfer Doc	0630000265
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2524 EDWARDS RD, WATERLOO, NY 13165-8419
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001725/163
Date	Nov 26, 2019
Book Page	1725/163
Instrument	46977

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Dec 1, 2038

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2524 EDWARDS RD, WATERLOO, NY 13165-8419
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001903/89
Date	Oct 6, 2023
Book Page	1903/89
Instrument	64230

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Nov 26, 2019
Property Address	2524 EDWARDS RD, WATERLOO, NY 13165-8419
Document Number	001002/329
Book / Page	1002 / 329
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2524 EDWARDS RD, WATERLOO, NY 13165-8419

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,645.00 (+5.42%) Homeowner's exemption Veteran's exemption
2025	$2,509.00 (+245.12%)	$83,200 (-) Land $15,400 Building $67,800	$136,400 (+16.4%) Land $25,247 Building $111,153
2023		$83,200 Land $15,400 Building $67,800	$117,183 Land $21,690 Building $95,493
2019	$727.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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