2955 Cherokee Ln, Waterloo, NY 13165 Property Records

Seneca County and Fayette Town property record for 2955 Cherokee Ln, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,100 sqft · built 1978
Lot Size	0.87 acres (37,897 sqft)
Owner	Individual Name on File
Last Sale	$85,500 (Mar 2023)
Tax Bill	$6,984 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2023 Foreclosure + 1 more
APN	`452289 03-2-55`

Property Details

APN / Parcel Number

Primary APN	`452289 03-2-55`
Alternative APN	`228900300000020550000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,100 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Mixed
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2955 CHEROKEE LN
City	WATERLOO
State	NY
Zip	13165-9485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	2
Legal Lot Number	55.000
Jurisdiction	SENECA NY
Township / Civil Division	FAYETTE
Census Block Group	1
Census Block	1050
Census Tract	950700

Owner

2955 Cherokee Ln is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2955 CHEROKEE LN, WATERLOO, NY 13165-9485
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
Mar 31, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage HABITAT HUMANI SENECA
Feb 7, 2023	Deed, Foreclosure
Mar 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HABITAT FOR HUMANITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Feb 7, 2023 · Amount on File
Deed Document Number	202362310
Deed Book / Page	1075 / 240
Prior Transfer Date	Oct 14, 2016
Prior Transfer Doc	0000000937/000000001
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Mar 31, 2023
Property Address	2955 CHEROKEE LN, WATERLOO, NY 13165-9485
Document Number	001075/240
Book / Page	1075 / 240
Instrument Date	Mar 29, 2023
Instrument	62310
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	36 CENTER ST, WATERLOO, NY 13165-1023

Mortgage

Document Number	0000062312
Date	Mar 31, 2023
Instrument	62312

Lender

Name	HABITAT HUMANI SENECA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2023: Deed, Foreclosure

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Feb 7, 2023
Property Address	2955 CHEROKEE LN, WATERLOO, NY 13165-9485
Document Number	001073/124
Book / Page	1073 / 124
Instrument Date	Dec 22, 2022
Instrument	61818
Transaction Type	Foreclosure
Record Updated	Feb 28, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 E BAYARD ST, SENECA FALLS, NY 13148-1623

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	2955 CHEROKEE LN, WATERLOO, NY 13165-9485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1697/197
Date	Mar 4, 2019
Book Page	1697/197
Instrument	43719

Lender

Name	HABITAT FOR HUMANITY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2955 Cherokee Ln was $6,984 with a homeowner's exemption, up 14% from the year before.

Source: Seneca County and Fayette Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Fayette Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,984.00 (+13.97%) Homeowner's exemption
2025	$6,128.00	$191,800 Land $24,700 Building $167,100	$336,500 Land $43,334 Building $293,166
2023		$191,800 Land $24,700 Building $167,100	$266,389 Land $34,306 Building $232,083
2019	$1,778.00

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 2955 Cherokee Ln; 1 flood insurance policy is in force nearby.

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

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

The area around 2955 Cherokee Ln has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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