3575 State Rte 85, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 3575 State Rte 85, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,860 sqft · built 1994
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Sep 2024)
Tax Bill	$4,538 (2026)
Deeds & Mortgages	May 2026 Mortgage Jun 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013800 116.-2-17.12`

Property Details

APN / Parcel Number

Primary APN	`013800 116.-2-17.12`
Alternative APNs	`380011600000020170120000` `11600000020170120000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,860 sqft Living Area
1st Floor Area	930 sqft
2nd Floor Area	930 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	984 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	11600000020170120000
Street Address	3575 STATE ROUTE 85
City	WESTERLO
State	NY
Zip	12193-2107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Block	2
Legal Lot Number	17.012
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1044
Census Tract	14803

Owner

3575 State Rte 85 is owned and occupied by an individual who bought it in September 2024.

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

Owner of Record	Individual Name on File
Mailing Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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

Date	Document
May 4, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 26, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 19, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2024 · Amount on File
Deed Sale	Sep 30, 2024 · Amount on File
Deed Document Number	202416248
Prior Transfer Date	Aug 7, 2024
Prior Transfer Doc	0000006248
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	May 4, 2026
Property Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107
Document Number	0000000422
Instrument Date	Apr 18, 2026
Instrument	20268422
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107

Mortgage

Document Number	0000008422,
Date	May 4, 2026
Instrument	20268422

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jun 26, 2026
Property Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107
Document Number	0000011973
Instrument Date	Apr 18, 2026
Instrument	202611973
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	ROCKET TITLE, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107

Mortgage

Document Number	0000011973,
Date	Jun 26, 2026
Instrument	202611973

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107
Transaction Type	Mortgage
Record Updated	Nov 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107

Mortgage

Document Number	0000000790
Date	Oct 12, 2021
Instrument	R2021-30790

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3575 STATE ROUTE 85, WESTERLO, NY 12193-2107
Document Number	0000009448
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3575 STATE ROUTE 85 WESTERLO NY 121932107, WESTERLO, NY 12193-2107

Mortgage

Document Number	0000009448
Date	May 2, 2018
Instrument	9448

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, AL 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3575 State Rte 85 was $4,538, up 48.1% 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	$4,538.00 (+48.11%)
2025	$3,064.00	$1,500 Land $200 Building $1,300	$258,621 Land $34,483 Building $224,138
2023		$1,500 (-) Land $200 Building $1,300	$234,400 (+17.2%) Land $31,253 Building $203,147
2022		$1,500 Land $200 Building $1,300	$200,000 Land $26,667 Building $173,333
2021	$2,408.00

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

FEMA maps place 3575 State Rte 85 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 3575 State Rte 85 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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

Cell Coverage

5G (outdoors only) and 4G LTE

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