Albany County and Bethlehem Town property record for 28 Carriage Rd, Delmar, NY 12054
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,587 sqft · built 1968 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $377,500 (Sep 2005) |
| Tax Bill | $12,805 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012200 85.19-2-44 |
| Primary APN | 012200 85.19-2-44 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,587 sqft Living Area |
| 1st Floor Area | 1,417 sqft |
| 2nd Floor Area | 1,170 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 172 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 718 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08501900020440000000 |
|---|---|
| Street Address | 28 CARRIAGE RD |
| City | DELMAR |
| State | NY |
| Zip | 12054-3704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | LOT 28 SEC 2 DELMAR |
| Legal Subdivision | DELMAR |
| Legal Block | 2 |
| Legal Lot Number | 44.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | BETHLEHEM |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 14203 |
Source: Albany County and Bethlehem 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| May 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI SEFCU |
| Jan 9, 2018 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2005 · Amount on Record |
| Deed Sale | Sep 6, 2005 · Amount on Record |
| Deed Book / Page | 2814 / 1036 |
| Prior Transfer Date | Mar 23, 2004 |
| Prior Transfer Doc | 0027640403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Document Number | 0000006985 |
|---|---|
| Date | Sep 21, 2023 |
| Instrument | R2023-16985 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 15, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SMPR TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000019618 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | R2020-19618 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Document Number | 0000009769 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 28 CARRIAGE RD DELMAR NY 120543704, DELMAR, NY 12054-3704 |
| Document Number | 0000009769 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 9769 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CARRIAGE RD, DELMAR, NY 12054-3704 |
| Document Number | 0000002159 |
| Instrument Date | Jan 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 28 CARRIAGE RD DELMAR NY 120543704, DELMAR, NY 12054-3704 |
| Document Number | 0000002159 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 2159 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Bethlehem Town |
| Unified School District | Bethlehem Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,805.00 (+1.09%) | ||
| 2025 | $12,667.00 | $385,000 (-) Land $83,000 Building $302,000 | $601,563 (+17.19%) Land $129,688 Building $471,875 |
| 2023 | $385,000 Land $83,000 Building $302,000 | $513,333 Land $110,667 Building $402,666 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2003 · Snowstorms |
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 396 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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