Seneca County and Waterloo Town property record for 3 E Elizabeth St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,922 sqft · built 1860 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $42,500 (Jul 2001) |
| Tax Bill | $3,986 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2022 Refinance + 1 more |
| APN | 453801 06-1-33 |
| Primary APN | 453801 06-1-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,922 sqft Living Area |
| 1st Floor Area | 1,077 sqft |
| 2nd Floor Area | 845 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Porch |
| Porch Area | 291 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 E ELIZABETH ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | MB01-214 |
| Legal Block | 1 |
| Legal Lot Number | 33.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 950500 |
Source: Seneca County and Waterloo Town records, as of September 23, 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 E ELIZABETH ST, WATERLOO, NY 13165-1128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage SUMMIT FEDERAL CREDIT UNION |
| Nov 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WATERLOO VILLAGE OF |
| Jul 8, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SUMMIT FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2001 · Amount on Record |
| Deed Sale | Jul 18, 2001 · Amount on Record |
| Deed Book / Page | 628 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | May 20, 2026 |
| Property Address | 3 E ELIZABETH ST, WATERLOO, NY 13165-1128 |
| Document Number | 001994/134 |
| Book / Page | 1994 / 134 |
| Instrument Date | May 15, 2026 |
| Instrument | 202674479 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 E ELIZABETH ST, WATERLOO, NY 13165-1128 |
| Document Number | 0000074479, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 1994/134 |
| Instrument | 202674479 |
| Name | SUMMIT FEDERAL CREDIT UNION |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jun 1, 2036 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 3 E ELIZABETH ST, WATERLOO, NY 13165-1128 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001873/280 |
|---|---|
| Date | Nov 9, 2022 |
| Book Page | 1873/280 |
| Instrument | 60802 |
| Name | WATERLOO VILLAGE OF |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 3 E ELIZABETH ST, WATERLOO, NY 13165-1128 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1708/160 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 1708/160 |
| Instrument | 45150 |
| Name | SUMMIT FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Aug 1, 2043 |
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 |
|---|---|---|---|
| 2026 | $3,986.00 (+4.26%) | ||
| 2025 | $3,823.00 (+91.92%) | $79,400 (-) Land $12,700 Building $66,700 | $130,200 (+16.43%) Land $20,825 Building $109,375 |
| 2023 | $79,400 Land $12,700 Building $66,700 | $111,831 Land $17,887 Building $93,944 | |
| 2019 | $1,992.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; 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 | None beyond ember reach |
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 351 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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