288 Co Rte 402, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 288 Co Rte 402, Westerlo, NY 12193 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,239 sqft · built 1900
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Tax Bill	$2,042 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 150.-1-20.20`

Property Details

APN / Parcel Number

Primary APN	`013800 150.-1-20.20`
Alternative APNs	`380015000000010200200000` `15000000010200200000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,239 sqft Living Area
1st Floor Area	826 sqft
Upper Floors Area	413 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	15000000010200200000
Street Address	288 COUNTY ROUTE 402
City	WESTERLO
State	NY
Zip	12193-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	20.020
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1092
Census Tract	14803

Owner

Source: Albany County and Westerlo Town records · APN 013800 150.-1-20.20

Assessment roll updated March 17, 2026 · Last verified July 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 File
Mailing Address	288 COUNTY ROUTE 402, WESTERLO, NY 12193-3409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	288 COUNTY ROUTE 402, WESTERLO, NY 12193-3409
Document Number	0000009432
Instrument Date	May 08, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 DELAWARE TER ALBANY NY 122091710, ALBANY, NY 12209-1710

Mortgage

Document Number	0000009432
Date	May 19, 2020
Instrument	9432

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

Source: Albany County and Westerlo Town records · Assessment roll updated March 17, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Westerlo Town
Unified School District	Berne-Knox-Westerlo Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,042.00 (+4.56%)	$1,000 (-) Land $100 Building $900	$172,414 (+10.31%) Land $17,241 Building $155,173
2023		$1,000 (-) Land $100 Building $900	$156,300 (+17.23%) Land $15,630 Building $140,670
2022		$1,000 Land $100 Building $900	$133,333 Land $13,333 Building $120,000
2021	$1,953.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010148031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences
Nearby Flood Claims	3 (2005–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2011, river or lake flooding, Hurricane Irene
Flood Events	Hurricane Irene (Aug 2011), 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

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.