Albany County and Westerlo Town property record for 318 Flood Rd, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,400 sqft · built 2011 |
| Lot Size | 4.03 acres (175,547 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,604 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 116.-2-32.112 |
| Primary APN | 013800 116.-2-32.112 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| 2nd Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 175,547 sqft (4.03 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11600000020321120000 |
|---|---|
| Street Address | 318 FLOOD RD |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 32.112 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 14803 |
Source: Albany County and Westerlo 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 318 FLOOD RD, WESTERLO, NY 12193-2310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2020 | Deed of Trust, Mortgage TRUSTCO BANK |
| Dec 10, 2020 | Deed of Trust, Mortgage · Construction Mortgage TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 318 FLOOD RD, WESTERLO, NY 12193-2310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029705 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | R2020-29705 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 318 FLOOD RD, WESTERLO, NY 12193-2310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029704 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | R2020-29704 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,604.00 (+54.39%) Homeowner's exemption | ||
| 2025 | $2,982.00 (+10.4%) Homeowner's exemption | $1,650 (-) Land $250 Building $1,400 | $284,483 (+10.35%) Land $43,103 Building $241,380 |
| 2023 | $1,650 (-) Land $250 Building $1,400 | $257,800 (+17.18%) Land $39,061 Building $218,739 | |
| 2022 | $1,650 Land $250 Building $1,400 | $220,000 Land $33,333 Building $186,667 | |
| 2021 | $2,701.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber · Cable in parts of the area | 5,000 / 5,000 |
May also be available: Spectrum.
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