285 Elsmere Ave, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 285 Elsmere Ave, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,052 sqft · built 1890
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jun 2026)
Tax Bill	$8,104 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012200 97.05-4-29`

Property Details

APN / Parcel Number

Primary APN	`012200 97.05-4-29`
Alternative APNs	`22000970050004029000` `09700500040290000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,052 sqft Living Area
1st Floor Area	1,062 sqft
2nd Floor Area	990 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	257 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	926 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	09700500040290000000
Street Address	285 ELSMERE AVE
City	DELMAR
State	NY
Zip	12054-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	ELSMERE
Legal Block	4
Legal Lot Number	29.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2014
Census Tract	14203

Owner

285 Elsmere Ave is owned by two individuals who bought it in June 2026.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	110 WINOOSKI FALLS WAY, 300, WINOOSKI, VT 05404-2283
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 11, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
May 5, 2023	Deed of Trust, Mortgage · Line of Credit MID HUDSON VALLEY FCU
Oct 18, 2023	Intrafamily Transfer, Transfer
May 25, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Document Number	202610856
Prior Transfer Date	Sep 29, 2023
Prior Transfer Doc	0000008670
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jun 11, 2026
Property Address	285 ELSMERE AVE, DELMAR, NY 12054-9751
Document Number	0000010856
Instrument Date	Jun 5, 2026
Instrument	202610856
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000010857,
Date	Jun 11, 2026
Instrument	202610857

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	285 ELSMERE AVE, DELMAR, NY 12054-9751
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 ELSMERE AVE, DELMAR, NY 12054-9751

Mortgage

Document Number	0000000155
Date	May 5, 2023
Instrument	R2023-8155

Lender

Name	MID HUDSON VALLEY FCU
Type	Credit Union
Address	KINGSTON, NY 12401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBANY NY
Recording Date	Oct 18, 2023
Property Address	285 ELSMERE AVE, DELMAR, NY 12054-9751
Document Number	0000008670
Instrument Date	Sep 29, 2023
Instrument	R2023-18670
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 ELSMERE AVE, DELMAR, NY 12054-9751

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	May 25, 2018
Property Address	285 ELSMERE AVE, DELMAR, NY 12054-9751
Document Number	0020181444
Book / Page	002018 / 011444
Instrument Date	May 23, 2018
Transaction Type	Transfer
Record Updated	Jul 2, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 ELSMERE AVE DELMAR NY 120549798, DELMAR, NY 12054-9798

Tax Assessment & Valuation

The 2026 property tax bill for 285 Elsmere Ave was $8,104, up 7.3% from the year before.

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,104.00 (+7.27%)
2025	$7,555.00	$243,000 Land $68,000 Building $175,000	$379,688 Land $106,250 Building $273,438
2023		$229,000 (-) Land $68,000 Building $161,000	$305,333 (+14.67%) Land $90,667 Building $214,666
2022		$229,000 Land $68,000 Building $161,000	$266,279 Land $79,070 Building $187,209

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 285 Elsmere Ave 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

Wildfire risk around 285 Elsmere Ave is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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