326 Co Rte 312, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 326 Co Rte 312, Westerlo, NY 12193

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,846 sqft · built 1890
Lot Size	58.2 acres (2,535,192 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Jul 2016)
Tax Bill	$5,469 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 140.-1-30.1`

Property Details

APN / Parcel Number

Primary APN	`013800 140.-1-30.1`
Alternative APNs	`380014000000010300010000` `14000000010300010000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,846 sqft Living Area
1st Floor Area	1,107 sqft
2nd Floor Area	626 sqft
Upper Floors Area	113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	2,535,192 sqft (58.2 acres)
Lot Width	1,315 ft Width
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Shed	1 Shed
Canopy	540 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	14000000010300010000
Street Address	326 COUNTY ROUTE 312
City	WESTERLO
State	NY
Zip	12193-2810
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RDA
Legal Block	1
Legal Lot Number	30.001
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1019
Census Tract	14803

Owner

Source: Albany County and Westerlo Town records · APN 013800 140.-1-30.1

Assessment roll updated March 17, 2026 · Last verified April 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 File
Mailing Address	326 COUNTY ROUTE 312, WESTERLO, NY 12193-2810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2016 · Amount on Record
Deed Sale	Jul 25, 2016 · Amount on Record
Prior Sale	May 11, 2006 · Amount on Record
Deed Document Number	201616433
Prior Transfer Date	Feb 14, 2006
Prior Transfer Doc	0028430887
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	326 COUNTY ROUTE 312, WESTERLO, NY 12193-2810
Document Number	0000014523
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	ALTA TITLE INSURANCE COMMITMENT, ALTA TITLE INS COMMITMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 COUNTY ROUTE 312 WESTERLO NY 121932810, WESTERLO, NY 12193-2810

Mortgage

Document Number	0000014523
Date	Jul 22, 2019
Instrument	14523

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

Tax Assessment & Valuation

Source: Albany County and Westerlo Town records · Assessment roll updated March 17, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Westerlo Town
Unified School District	Greenville Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,469.00 Additional exemption filed	$1,900 (-) Land $500 Building $1,400	$327,586 (+10.34%) Land $86,207 Building $241,379
2023		$1,900 Land $500 Building $1,400	$296,900 Land $78,132 Building $218,768

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010148031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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	Hurricane Irene, Aug 2011 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 6 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20