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301 W Main St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 301 W Main St, Waterloo, NY 13165

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,235 sqft · built 1914
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$140,000 (Apr 2026)
Tax Bill$3,364 (2026)
Deeds & MortgagesApr 2026 Sale & Mortgage
Aug 2025 Transfer
APN453801 09-2-27

Property Details

APN / Parcel Number

Primary APN453801 09-2-27
Alternative APN
  • 380100900000020270000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,235 sqft Living Area
1st Floor Area1,235 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 1914
Architectural StyleTraditional
Exterior MaterialWood
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions119 ft deep x 58 ft wide
Garage TypeMixed
Garage Area300 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area234 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address301 W MAIN ST
CityWATERLOO
StateNY
Zip13165-1343
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Block2
Legal Lot Number27.000
JurisdictionSENECA NY
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2017
Census Tract950600

Owner

301 W Main St is owned by two individuals who bought it in April 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address305 W MAIN ST, WATERLOO, NY 13165-1343
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2026Warranty Deed, Transfer · Stand-Alone First Mortgage
COMMUNITY BANK LENA
Aug 28, 2025Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 23, 2026 · Amount on File
Deed SaleApr 23, 2026 · Amount on File
Deed Document Number202674137
Deed Book / Page1140 / 266
Prior Transfer DateJul 11, 2025
Prior Transfer Doc0001127/61
Record UpdatedOct 29, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateApr 23, 2026
Property Address301 W MAIN ST, WATERLOO, NY 13165-1343
Document Number001140/266
Book / Page1140 / 266
Instrument DateMar 31, 2026
Instrument202674137
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address305 W MAIN ST, WATERLOO, NY 13165-1343

Mortgage

DateApr 23, 2026
Lender
NameCOMMUNITY BANK LENA
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record
Interest
Rate6.11%
Max Rate-1%

August 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSENECA NY
Recording DateAug 28, 2025
Property Address301 W MAIN ST, WATERLOO, NY 13165-1343
Document Number0001127/61
Book / Page1127 / 61
Instrument DateJul 11, 2025
Instrument71463
Transaction TypeTransfer
Record UpdatedJun 30, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address238 COUNTY ROUTE 84, WEST MONROE, NY 13167-3225

Tax Assessment & Valuation

The 2026 property tax bill for 301 W Main St was $3,364, up 4.2% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountySeneca County
County SubdivisionWaterloo Town
MunicipalityWaterloo Village
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$3,364.00 (+4.25%)
2025$3,227.00$66,900 Land $11,400 Building $55,500$109,700 Land $18,693 Building $91,007
2023$66,900 Land $11,400 Building $55,500$94,225 Land $16,056 Building $78,169
2019$1,684.00

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.

Flood

FEMA has no flood map on file for 301 W Main St; 6 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Nearby Flood Policies6 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

Wildfire risk around 301 W Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 93% of the US · lower than 89% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemWATERLOO VILLAGE
serves 7,000 people · EPA ID NY4901199
Water SourceSurface water
Last State InspectionSep 2024
Lead10 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
GoNetspeed
Fiber		2,000 / 2,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CBN
Fixed Wireless · not low latency		100 / 100

May also be available: T-Mobile.

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