Albany County and Westerlo Town property record for 28 Annabelle Rd, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 960 sqft · built 1990 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,071 (2026) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 139.-1-12 |
| Primary APN | 013800 139.-1-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 87,120 sqft (2 acres) |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13900000010120000000 |
|---|---|
| Street Address | 28 ANNABELLE RD |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 14803 |
28 Annabelle Rd is owned and occupied by an individual who acquired it in September 2022.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 ANNABELLE RD, WESTERLO, NY 12193-2206 |
| 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 |
|---|---|
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Mar 25, 2019 | Deed of Trust, Mortgage KEYBANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 9, 2022 |
| Transfer Doc | 0000022921 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 ANNABELLE RD, WESTERLO, NY 12193-2206 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 28 ANNABELLE RD, WESTERLO, NY 12193-2206 |
| Document Number | 0000005194 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | R2021-25194 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 ANNABELLE RD, WESTERLO, NY 12193-2206 |
| Document Number | 0000006349 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Name | Verified Name |
|---|---|
| Address | 28 ANNABELLE RD WESTERLO NY 121932206, WESTERLO, NY 12193-2206 |
| Document Number | 0000006349 |
|---|---|
| Date | Apr 3, 2019 |
| Instrument | 6349 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 2, 2049 |
The 2026 property tax bill for 28 Annabelle Rd was $2,071 with a homeowner's exemption, up 98.9% from the year before.
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 | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,071.00 (+98.94%) Homeowner's exemption | ||
| 2025 | $1,041.00 Homeowner's exemption | $700 Land $200 Building $500 | $120,690 Land $34,483 Building $86,207 |
| 2023 | $700 (-) Land $200 Building $500 | $109,400 (+17.21%) Land $31,257 Building $78,143 | |
| 2022 | $700 Land $200 Building $500 | $93,333 Land $26,667 Building $66,666 | |
| 2021 | $845.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Annabelle Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
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 | 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.
Wildfire risk around 28 Annabelle Rd is low, with a 0.02% 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 | 0.02% 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber · Cable | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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