3 Chestnut St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 3 Chestnut St, Waterloo, NY 13165 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,554 sqft · built 1845
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$57,000 (Mar 2002)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	May 2017 Mortgage
APN	`453801 04-2-18`

Property Details

APN / Parcel Number

Primary APN	`453801 04-2-18`
Alternative APN	`380100400000020180000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,554 sqft Living Area
1st Floor Area	927 sqft
2nd Floor Area	627 sqft

Exterior

Year Built	Built 1845
Effective Year Built	Effective 1845
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	12,197 sqft (0.28 acres)
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 CHESTNUT ST
City	WATERLOO
State	NY
Zip	13165-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MB02-108
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1038
Census Tract	950600

Owner

Source: Seneca County and Waterloo Town records · APN 453801 04-2-18

Assessment roll updated May 14, 2026 · Last verified May 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	3 CHESTNUT ST, WATERLOO, NY 13165-1013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 28, 2002 · Amount on Record
Deed Sale	Mar 28, 2002 · Amount on Record
Deed Book / Page	644 / 296
Last Transfer Date	Nov 13, 2009
Transfer Doc	0000000812/000000018
Record Updated	Jun 08, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	3 CHESTNUT ST, WATERLOO, NY 13165-1013
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001628/0000000224
Date	May 24, 2017
Book Page	0000001628/0000000224
Instrument	201700035707

Lender

Name	ROYAL UNITED MORTGAGE

Agreement

Amount	Amount Recorded
Term	236 Months
Due	Jan 01, 2037

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town records · Assessment roll updated May 14, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,418.00 (+42%)	$70,900 (-) Land $14,500 Building $56,400	$116,200 (+16.36%) Land $23,764 Building $92,436
2023		$70,900 Land $14,500 Building $56,400	$99,859 Land $20,423 Building $79,436
2019	$2,407.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360999506001, 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	FEMA flood map data for this location is not available in our records
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.