341 Flood Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 341 Flood Rd, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,160 sqft · built 1991
Lot Size	2.33 acres (101,495 sqft)
Owner	2 Individual Names on File
Last Sale	$109,200 (Nov 1997)
Tax Bill	$2,809 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jul 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013800 116.-2-32.21`

Property Details

APN / Parcel Number

Primary APN	`013800 116.-2-32.21`
Alternative APNs	`380011600000020320210000` `11600000020320210000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	101,495 sqft (2.33 acres)
Garage Type	Mixed
Garage Area	1,564 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11600000020320210000
Street Address	341 FLOOD RD
City	WESTERLO
State	NY
Zip	12193-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	32.021
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1005
Census Tract	14803

Owner

Source: Albany County and Westerlo Town assessment roll, as of March 17, 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	341 FLOOD RD, WESTERLO, NY 12193-2311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2025	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jul 2, 2020	Loan Modification, Mortgage · Conventional with PMI SEFCU
Jul 2, 2020	Deed of Trust, Mortgage SEFCU
May 8, 2019	Deed of Trust, Mortgage · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 3, 1997 · Amount on Record
Deed Sale	Nov 3, 1997 · Amount on Record
Deed Book / Page	2590 / 22
Last Transfer Date	Jul 2, 2013
Transfer Doc	0030710362
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	341 FLOOD RD, WESTERLO, NY 12193-2311
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 FLOOD RD, WESTERLO, NY 12193-2311

Mortgage

Document Number	0000003740
Date	Aug 1, 2025
Instrument	R2025-13740

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	341 FLOOD RD, WESTERLO, NY 12193-2311
Document Number	0000015327
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	SHAKER ABSTRACT AND TITLE LLC, SHAKER ABS & TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 FLOOD RD WESTERLO NY 121932311, WESTERLO, NY 12193-2311

Mortgage

Document Number	0000015327
Date	Jul 22, 2020
Instrument	15327

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 21, 2035

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	341 FLOOD RD, WESTERLO, NY 12193-2311
Document Number	0000015326
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	SHAKER ABSTRACT AND TITLE LLC, SHAKER ABS & TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 FLOOD RD WESTERLO NY 121932311, WESTERLO, NY 12193-2311

Mortgage

Document Number	0000015326
Date	Jul 22, 2020
Instrument	15326

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Term	180 Months
Due	Jul 21, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	341 FLOOD RD, WESTERLO, NY 12193-2311
Document Number	0000009039
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	341 FLOOD RD WESTERLO NY 121932311, WESTERLO, NY 12193-2311

Mortgage

Document Number	0000009039
Date	May 9, 2019
Instrument	9039

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,809.00 (+4.58%)	$1,375 (-) Land $200 Building $1,175	$237,069 (+10.37%) Land $34,483 Building $202,586
2023		$1,375 (-) Land $200 Building $1,175	$214,800 (+17.16%) Land $31,244 Building $183,556
2022		$1,375 Land $200 Building $1,175	$183,333 Land $26,667 Building $156,666
2021	$2,686.00

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.

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	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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LEANING EVERGREEN MHP private · serves 50 people · EPA ID NY0101642
Water Source	Groundwater
Last State Inspection	Sep 2022
Lead	3 ppb (2025) action level 15 ppb
Copper	3 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid-Hudson Cablevision Cable	400 / 25
Starlink Satellite	280 / 30

May also be available: Spectrum.

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