Albany County and Westerlo Town property record for 3469 State Rte 85, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,654 sqft · built 1989 |
| Lot Size | 1.93 acres (84,071 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $79,000 (Jun 1996) |
| Tax Bill | $4,407 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 116.-2-32.22 |
| Primary APN | 013800 116.-2-32.22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,654 sqft Living Area |
| 1st Floor Area | 1,654 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 84,071 sqft (1.93 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 208 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 11600000020320220000 |
|---|---|
| Street Address | 3469 STATE ROUTE 85 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2104 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 32.022 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 14803 |
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 | 3469 STATE ROUTE 85, WESTERLO, NY 12193-2104 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 1996 · Amount on Record |
| Deed Sale | Jun 12, 1996 · Amount on Record |
| Deed Book / Page | 2557 / 1123 |
| Last Transfer Date | Jun 21, 2006 |
| Transfer Doc | 0028490321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | May 6, 2026 |
| Property Address | 3469 STATE ROUTE 85, WESTERLO, NY 12193-2104 |
| Document Number | 0000000622 |
| Instrument Date | May 1, 2026 |
| Instrument | 20268622 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3469 STATE ROUTE 85, WESTERLO, NY 12193-2104 |
| Document Number | 0000008622, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 20268622 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,407.00 (+54.69%) Homeowner's exemption | ||
| 2025 | $2,849.00 (+11.51%) Homeowner's exemption | $1,585 (+0.63%) Land $200 Building $1,385 | $273,276 (+11.04%) Land $34,483 Building $238,793 |
| 2023 | $1,575 (-) Land $200 Building $1,375 | $246,100 (+17.19%) Land $31,251 Building $214,849 | |
| 2022 | $1,575 Land $200 Building $1,375 | $210,000 Land $26,667 Building $183,333 | |
| 2021 | $2,555.00 |
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.
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.
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.
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 |
| 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.
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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