3446 State Rte 85, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 3446 State Rte 85, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,655 sqft · built 1970
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,538 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 116.-2-11`

Property Details

APN / Parcel Number

Primary APN	`013800 116.-2-11`
Alternative APNs	`380011600000020110000000` `11600000020110000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,655 sqft Living Area
1st Floor Area	1,655 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	250 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11600000020110000000
Street Address	3446 STATE ROUTE 85
City	WESTERLO
State	NY
Zip	12193-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Subdivision	MANOR OF RENNSELAERWICK
Legal Block	2
Legal Lot Number	11.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1006
Census Tract	14803

Owner

Source: Albany County and Westerlo 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	3446 STATE ROUTE 85, WESTERLO, NY 12193-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Grant Deed, Transfer · Conventional with PMI HOME PT FIN'L
Dec 3, 2020	Deed of Trust, Mortgage · Conventional with PMI HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Dec 21, 2020
Property Address	3446 STATE ROUTE 85, WESTERLO, NY 12193-2105
Document Number	0000030769
Instrument Date	Dec 3, 2020
Instrument	30769
Transaction Type	Transfer
Record Updated	Jan 22, 2021
Title Company	NTC - KEY W

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	192 6TH AVE TROY NY 121801021, TROY, NY 12180-1021

Mortgage

Document Number	30770
Date	Dec 21, 2020
Instrument	30770

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3446 STATE ROUTE 85, WESTERLO, NY 12193-2105
Document Number	0000030770
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	NTC - KEY W

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	192 6TH AVE TROY NY 121801021, TROY, NY 12180-1021

Mortgage

Document Number	0000030770
Date	Dec 21, 2020
Instrument	30770

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2050

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
2026	$4,538.00 (+48.11%)
2025	$3,064.00 (+4.57%)	$1,500 (-) Land $100 Building $1,400	$258,621 (+10.33%) Land $17,241 Building $241,380
2023		$1,500 (-) Land $100 Building $1,400	$234,400 (+17.2%) Land $15,627 Building $218,773
2022		$1,500 Land $100 Building $1,400	$200,000 Land $13,333 Building $186,667
2021	$2,930.00

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

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 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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