320 Elsmere Ave, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 320 Elsmere Ave, Delmar, NY 12054

Property Summary

Property Type	Duplex
Details	5 bd · 4 ba · 2,184 sqft · built 1976
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jan 2022)
Tax Bill	$7,495 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012200 97.05-4-17`

Property Details

APN / Parcel Number

Primary APN	`012200 97.05-4-17`
Alternative APNs	`22000970050004017000` `09700500040170000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,184 sqft Total Area
1st Floor Area	1,008 sqft
2nd Floor Area	1,176 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	09700500040170000000
Street Address	320 ELSMERE AVE
City	DELMAR
State	NY
Zip	12054-9702
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Description	SEC 1 ELSMERE
Legal Block	4
Legal Lot Number	17.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3026
Census Tract	14201

Owner

Source: Albany County and Bethlehem 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	320 ELSMERE AVE, DELMAR, NY 12054-9702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · FHA Mortgage KEY BANK NA
Jan 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Jan 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on Record
Deed Sale	Jan 3, 2022 · Amount on Record
Prior Sale	Jan 13, 2003 · Amount on Record
Deed Document Number	202271
Prior Transfer Date	Oct 17, 1995
Prior Transfer Doc	2544000440
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	320 ELSMERE AVE, DELMAR, NY 12054-9702
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320A ELSMERE AVE, DELMAR, NY 12054-9702

Mortgage

Document Number	0000000072
Date	Jan 3, 2022
Instrument	R2022-00072

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	320 ELSMERE AVE, DELMAR, NY 12054-9702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000660
Date	Jan 9, 2017
Instrument	R2017-00660

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	320 ELSMERE AVE, DELMAR, NY 12054-9702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002083
Date	Jan 27, 2020
Instrument	R2020-02083

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,495.00
2025		$228,500 (-) Land $65,000 Building $163,500	$357,031 (+17.19%) Land $101,562 Building $255,469
2023		$228,500 Land $65,000 Building $163,500	$304,667 Land $86,667 Building $218,000

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, 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	3 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 96% of the US · lower than 95% 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	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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