3221 Ritter Rd, Waterloo, NY 13165 Property Records

Seneca County and Fayette Town property record for 3221 Ritter Rd, Waterloo, NY 13165

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,376 sqft · built 1880
Lot Size	102 acres (4,443,120 sqft)
Owner	Company Name on File
Last Sale	$1,500,000 (Jun 2024)
Tax Bill	$10,065 (2026)
Deeds & Mortgages	Apr 2024 Refinance Sep 2022 Refinance + 1 more
APN	`452289 05-1-14`

Property Details

APN / Parcel Number

Primary APN	`452289 05-1-14`
Alternative APN	`228900500000010140000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	4,443,120 sqft (102 acres)
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Canopy	3,040 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Water Source	Well

Location & Zoning

Street Address	3221 RITTER RD
City	WATERLOO
State	NY
Zip	13165-8752
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	04 - FARM
Legal Description	280/523 FRANK & PHYLLIS WAGNER-LI
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	SENECA NY
Township / Civil Division	FAYETTE
Census Block Group	2
Census Block	2022
Census Tract	950700

Owner

3221 Ritter Rd, a rural home, is owned by a company that bought it in June 2024.

Source: Seneca County and Fayette 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	Company Name on File
Mailing Address	3792 POST RD, GENEVA, NY 14456-9220
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance THE CANANDAIGUA NATIONAL BANK & TRUST CO
Sep 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PREMIUM MORTGAGE CO
Nov 13, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2024 · Amount on File
Deed Sale	Jun 26, 2024 · Amount on File
Prior Sale	Nov 13, 2023 · Amount on File
Deed Document Number	202466930
Deed Book / Page	1100 / 319
Prior Transfer Date	Nov 3, 2023
Prior Transfer Doc	0001088/10
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	3221 RITTER RD, WATERLOO, NY 13165-8752
Transaction Type	Mortgage
Record Updated	Apr 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001920/280
Date	Apr 3, 2024
Book Page	1920/280
Instrument	66128

Lender

Name	THE CANANDAIGUA NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	3221 RITTER RD, WATERLOO, NY 13165-8752
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001867/60
Date	Sep 7, 2022
Book Page	1867/60
Instrument	60008

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Nov 13, 2023
Property Address	3221 RITTER RD, WATERLOO, NY 13165-8752
Document Number	0001088/10
Book / Page	1088 / 10
Instrument Date	Nov 3, 2023
Instrument	64637
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	445 LAMB RD, SENECA FALLS, NY 13148-9746

Tax Assessment & Valuation

The 2026 property tax bill for 3221 Ritter Rd was $10,065, up 7.5% from the year before.

Source: Seneca County and Fayette Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Fayette Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,065.00 (+7.54%)
2025	$9,359.00	$393,500 Land $319,000 Building $74,500	$690,351 Land $559,649 Building $130,702
2023		$382,000 (-) Land $307,500 Building $74,500	$530,556 (+25%) Land $427,084 Building $103,472
2022		$382,000 Land $307,500 Building $74,500	$424,444 Land $341,666 Building $82,778
2019	$1,335.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 3221 Ritter Rd; there have been 7 flood claims nearby since 1983.

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	9 in force
Nearby Flood Claims	7 (1983–1993)
Most Recent Claim	Apr 1993 · tidal / storm surge

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 3221 Ritter Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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