309 W Main St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 309 W Main St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,264 sqft · built 1910
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Aug 2018)
Tax Bill	$3,887 (2026)
Deeds & Mortgages	Apr 2023 Refinance Aug 2018 Sale
APN	`453801 09-2-04`

Property Details

APN / Parcel Number

Primary APN	`453801 09-2-04`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,264 sqft Living Area
1st Floor Area	640 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	128 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 W MAIN ST
City	WATERLOO
State	NY
Zip	13165-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB71-237
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	950600

Owner

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 Record	Individual Name on File
Mailing Address	309 W MAIN ST, WATERLOO, NY 13165-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANT COMMUNITY CREDIT UNION
Aug 31, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Jun 21, 2011 · Amount on File
Deed Book / Page	977 / 119
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	309 W MAIN ST, WATERLOO, NY 13165-1343
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001887/167
Date	Apr 24, 2023
Book Page	1887/167
Instrument	62542

Lender

Name	RELIANT COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Aug 31, 2018
Property Address	309 W MAIN ST, WATERLOO, NY 13165-1343
Document Number	000977/119
Book / Page	977 / 119
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 W MAIN ST, WATERLOO, NY 13165-1343

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,887.00 (+4.27%)
2025	$3,728.00 (+91.87%)	$77,400 (-) Land $10,500 Building $66,900	$126,900 (+16.41%) Land $17,215 Building $109,685
2023		$77,400 Land $10,500 Building $66,900	$109,014 Land $14,789 Building $94,225
2019	$1,943.00

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

Flood

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max 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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