Seneca County and Waterloo Town property record for 3 Barham Ave, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,033 sqft · built 1955 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $150,000 (Nov 2025) |
| Tax Bill | $3,237 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2019 Refinance + 2 more |
| APN | 453801 08-2-43 |
| Primary APN | 453801 08-2-43 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,033 sqft Living Area |
| 1st Floor Area | 1,033 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 135 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 BARHAM AVE |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | JANICE CAULKINS-LIFE USE |
| Legal Block | 2 |
| Legal Lot Number | 43.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Women's Rights National Historic Park (Boundary Increase) listed 2012 · 3 contributing resources · NRIS 12000134 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Seneca County and Waterloo Town records, as of May 14, 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 Record |
|---|---|
| Mailing Address | 3 BARHAM AVE, WATERLOO, NY 13165-1610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 12, 2025 | Deed of Trust, Mortgage · Line of Credit GENESEE REGIONAL BANK |
| Apr 2, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance GENERATIONS BANK |
| Nov 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage GENESEE REGIONAL BANK |
| Feb 6, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on Record |
| Deed Sale | Nov 12, 2025 · Amount on Record |
| Prior Sale | Feb 6, 2023 · Amount on Record |
| Deed Book / Page | 1131 / 116 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 3 BARHAM AVE, WATERLOO, NY 13165-1610 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001976/316 |
|---|---|
| Date | Dec 12, 2025 |
| Book Page | 1976/316 |
| Instrument | 72646 |
| Name | GENESEE REGIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 3 BARHAM AVE, WATERLOO, NY 13165-1610 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 001700/155 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 1700/155 |
| Instrument | 44065 |
| Name | GENERATIONS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | May 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Nov 12, 2025 |
| Property Address | 3 BARHAM AVE, WATERLOO, NY 13165-1610 |
| Document Number | 001131/116 |
| Book / Page | 1131 / 116 |
| Instrument Date | Oct 28, 2025 |
| Instrument | 72316 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0001973268 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 1973/268 |
| Name | GENESEE REGIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Feb 6, 2023 |
| Property Address | 3 BARHAM AVE, WATERLOO, NY 13165-1610 |
| Document Number | 0001073/96 |
| Book / Page | 1073 / 96 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 61799 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55597 TIPPERARY ST, ROMULUS, NY 14541 |
| Document Number | 0000061800 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 61800 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,237.00 (+3.19%) | $67,100 (-) Land $12,400 Building $54,700 | $110,000 (+11.45%) Land $20,328 Building $89,672 |
| 2024 | $3,137.00 (+85.73%) | $67,100 (-) Land $12,400 Building $54,700 | $98,700 (+4.44%) Land $18,240 Building $80,460 |
| 2023 | $67,100 Land $12,400 Building $54,700 | $94,507 Land $17,465 Building $77,042 | |
| 2019 | $1,689.00 |
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.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | Mar 1990 · other causes |
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 | WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 10 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 286 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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