306 16th St, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 306 16th St, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 616 sqft · built 1962
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Sep 2026)
Tax Bill	$2,597 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`011800 32.67-3-3`

Property Details

APN / Parcel Number

Primary APN	`011800 32.67-3-3`
Alternative APNs	`180003206700030030000000` `03206700030030000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	616 sqft Living Area
1st Floor Area	616 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Porch	Porch
Porch Area	72 sqft
Canopy	232 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	03206700030030000000
Street Address	306 16TH ST
City	WATERVLIET
State	NY
Zip	12189-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	THE CLERK OF ALBANY
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	2
Census Block	2007
Census Tract	13200

Owner

306 16th St is owned and occupied by an individual who bought it in September 2026.

Source: Albany County and Watervliet City records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	12 CENTRAL AVE, RAVENA, NY 12143-1314
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
Sep 30, 2026	Warranty Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORPORATION
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF SCOTIA
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/SCOTIA
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/SCOTIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Jan 7, 2008 · Amount on File
Deed Document Number	202618809
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 30, 2026
Property Address	306 16TH ST, WATERVLIET, NY 12189-2740
Document Number	0000018809
Instrument Date	Sep 20, 2026
Instrument	202618809
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	ABSTRACT TITLE, PAC ABSTRACT AND TITLE SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,648.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CENTRAL AVE, RAVENA, NY 12143-1314

Mortgage

Document Number	0000018810,
Date	Sep 30, 2026
Instrument	202618810

Lender

Name	PREMIUM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	306 16TH ST, WATERVLIET, NY 12189-2740
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004695
Date	Oct 19, 2022
Instrument	R2022-24695

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 3, 2032

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	306 16TH ST, WATERVLIET, NY 12189-2740
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	NEW YORK BANKERS TITLE AGENCY W, NEW YORK BANKERS TTL AGCY WE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005958
Date	Feb 25, 2021
Instrument	R2021-05958

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	306 16TH ST, WATERVLIET, NY 12189-2740
Document Number	0000024037
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 16TH ST WATERVLIET NY 121892740, WATERVLIET, NY 12189-2740

Mortgage

Document Number	0000024037
Date	Nov 13, 2019
Instrument	24037

Lender

Name	FIRST NAT'L BK/SCOTIA
Type	Bank
Address	SCOTIA, NY 12302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 12, 2029

Interest

Rate	4.37%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	306 16TH ST, WATERVLIET, NY 12189-2740
Document Number	0000013282
Instrument Date	May 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 16TH ST WATERVLIET NY 121892740, WATERVLIET, NY 12189-2740

Mortgage

Document Number	0000013282
Date	Jun 9, 2017
Instrument	13282

Lender

Name	FIRST NAT'L BK/SCOTIA
Type	Bank
Address	SCOTIA, NY 12302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 8, 2027

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 306 16th St was $2,597 with exemptions applied.

Source: Albany County and Watervliet City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Watervliet City
Unified School District	Watervliet City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,597.00 Homeowner's exemption Senior Citizen's exemption
2025		$92,300 Land $31,500 Building $60,800	$156,919 Land $53,553 Building $103,366
2023		$92,300 Land $31,500 Building $60,800	$132,806 Land $45,324 Building $87,482

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 maps place 306 16th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 31 policies
Nearby Flood Policies	31 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Dec 2023 · 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.

Wildfire

The area around 306 16th St 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.

Drinking Water

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

Water System	WATERVLIET CITY serves 9,889 people · EPA ID NY0110127
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2023
Monitoring and Reporting	None 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 604 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile, Verizon.

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