Albany County and Westerlo Town property record for 321 Co Rte 412, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,815 sqft · built 1950 |
| Lot Size | 3.7 acres (161,172 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,386 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 128.-2-20 |
| Primary APN | 013800 128.-2-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,815 sqft Living Area |
| 1st Floor Area | 2,265 sqft |
| 2nd Floor Area | 550 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 161,172 sqft (3.7 acres) |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 677 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12800000020200000000 |
|---|---|
| Street Address | 321 COUNTY ROUTE 412 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-3609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 20.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 14803 |
321 Co Rte 412 is owned and occupied by an individual who acquired it in January 2012.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 321 COUNTY ROUTE 412, WESTERLO, NY 12193-3609 |
| 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.
| Date | Document |
|---|---|
| Mar 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Feb 25, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/SCOTIA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 6, 2012 |
| Transfer Doc | 0030240365 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 321 COUNTY ROUTE 412, WESTERLO, NY 12193-3609 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000006437 |
|---|---|
| Date | Mar 23, 2018 |
| Instrument | R2018-06437 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 321 COUNTY ROUTE 412, WESTERLO, NY 12193-3609 |
| Document Number | 0000006149 |
| Instrument Date | Feb 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 321 COUNTY ROUTE 412 WESTERLO NY 121933609, WESTERLO, NY 12193-3609 |
| Document Number | 0000006149 |
|---|---|
| Date | Mar 9, 2017 |
| Instrument | 6149 |
| Name | FIRST NAT'L BK/SCOTIA |
|---|---|
| Type | Bank |
| Address | SCOTIA, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 8, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 321 Co Rte 412 was $5,386 with exemptions applied, down 18% from the year before.
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 | Greenville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,386.00 (-18.03%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,571.00 Homeowner's exemption Senior Citizen's exemption | $1,975 Land $200 Building $1,775 | $340,517 Land $34,483 Building $306,034 |
| 2023 | $1,975 Land $200 Building $1,775 | $308,600 Land $31,251 Building $277,349 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Co Rte 412 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.
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.
Wildfire risk around 321 Co Rte 412 is low, with a 0.01% annual chance of wildfire.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber | 5,000 / 5,000 |
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