348 Flood Rd, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 348 Flood Rd, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,958 sqft · built 1900
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Sep 2022)
Tax Bill	$2,572 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013800 116.-2-32.12`

Property Details

APN / Parcel Number

Primary APN	`013800 116.-2-32.12`
Alternative APNs	`380011600000020320120000` `11600000020320120000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,958 sqft Living Area
1st Floor Area	1,278 sqft
Upper Floors Area	510 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	108,900 sqft (2.5 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11600000020320120000
Street Address	348 FLOOD RD
City	WESTERLO
State	NY
Zip	12193-2310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	32.012
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1004
Census Tract	14803

Owner

348 Flood Rd is owned and occupied by an individual who bought it in September 2022.

Source: Albany County and Westerlo Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	348 FLOOD RD, WESTERLO, NY 12193-2310
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2022 · Amount on File
Deed Sale	Sep 20, 2022 · Amount on File
Deed Document Number	202221739
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 20, 2022
Property Address	348 FLOOD RD, WESTERLO, NY 12193-2310
Document Number	0000001739
Instrument Date	Sep 1, 2022
Instrument	R2022-21739
Transaction Type	Transfer
Record Updated	Oct 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	348 FLOOD RD, 348, WESTERLO, NY 12193-2310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 CONSAUL RD, ALBANY, NY 12205-3719

Mortgage

Document Number	0000001740
Date	Sep 20, 2022
Instrument	R2022-21740

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 348 Flood Rd was $2,572, up 48.2% from the year before.

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	$2,572.00 (+48.16%)
2025	$1,736.00	$850 Land $150 Building $700	$146,552 Land $25,862 Building $120,690
2023		$850 (-) Land $150 Building $700	$132,800 (+17.18%) Land $23,435 Building $109,365
2022		$850 Land $150 Building $700	$113,333 Land $20,000 Building $93,333
2021	$1,660.00

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 maps place 348 Flood Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2005.

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

Wildfire risk around 348 Flood Rd is low, with a 0.01% annual chance of 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.

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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