26 Chestnut St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 26 Chestnut St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,252 sqft · built 1890
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$58,000 (Mar 2001)
Tax Bill	$3,548 (2026)
Deeds & Mortgages	Sep 2019 Refinance Sep 2019 Refinance
APN	`453801 03-2-65.2`

Property Details

APN / Parcel Number

Primary APN	`453801 03-2-65.2`
Alternative APN	`380100300000020650020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,252 sqft Living Area
1st Floor Area	870 sqft
Upper Floors Area	382 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	209 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	26 CHESTNUT ST
City	WATERLOO
State	NY
Zip	13165-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB01-104
Legal Block	2
Legal Lot Number	65.002
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1033
Census Tract	950600

Owner

26 Chestnut St is owned and occupied by two individuals who bought it in March 2001.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	26 CHESTNUT ST, WATERLOO, NY 13165-1017
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK
Sep 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2001 · Amount on File
Deed Sale	Mar 29, 2001 · Amount on File
Prior Sale	Nov 3, 1995 · Amount on File
Deed Book / Page	622 / 132
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	26 CHESTNUT ST, WATERLOO, NY 13165-1017
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1715/240
Date	Sep 10, 2019
Book Page	1715/240
Instrument	45912

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Oct 1, 2033

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	26 CHESTNUT ST, WATERLOO, NY 13165-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1715/231
Date	Sep 10, 2019
Book Page	1715/231
Instrument	45911

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 26 Chestnut St was $3,548 with a homeowner's exemption, up 4.2% from the year before.

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
Municipality	Waterloo Village
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,548.00 (+4.23%) Homeowner's exemption
2025	$3,404.00	$70,600 Land $12,700 Building $57,900	$115,700 Land $20,813 Building $94,887
2023		$70,600 Land $12,700 Building $57,900	$99,437 Land $17,887 Building $81,550
2019	$1,775.00

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

Flood

FEMA has no flood map on file for 26 Chestnut St; there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 26 Chestnut 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

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