36 W Main St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 36 W Main St, Waterloo, NY 13165

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 1.5 ba · 3,813 sqft · built 1850
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jan 2026)
Tax Bill	$10,133 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jun 2017 Line of Credit + 4 more
APN	`453801 10-2-77`

Property Details

APN / Parcel Number

Primary APN	`453801 10-2-77`
Alternative APN	`380101000000020770000000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,813 sqft Total Area
1st Floor Area	2,037 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	391 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	372 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	36 W MAIN ST
City	WATERLOO
State	NY
Zip	13165-1329
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	02 - SINGL
Legal Description	MB03-154
Legal Block	2
Legal Lot Number	77.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2002
Census Tract	950600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Downtown Historic District listed 2017 · 46 contributing resources · NRIS 100000895

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

36 W Main St, a commercial property, is owned by two individuals who bought it in January 2026.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	30 E WATER ST, WATERLOO, NY 13165-1409
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 2, 2017	Deed of Trust, Mortgage · Commercial Mortgage PERRY W CLEAVELAND
Jun 23, 2017	Deed of Trust, Mortgage · Line of Credit CANANDAIGUA NATIONAL BANK & TRUST
Sep 17, 2010	Deed of Trust, Mortgage · Commercial Mortgage WATERLOO VILLAGE OF
Feb 25, 2009	Deed of Trust, Mortgage · Commercial Mortgage THE COMMUNITY BANK
Jan 14, 2011	Deed of Trust, Mortgage · Commercial Mortgage THE COMMUNITY BANK
Jan 8, 2026	Warranty Deed, Transfer CNB MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2026 · Amount on File
Deed Sale	Jan 8, 2026 · Amount on File
Prior Sale	Nov 3, 2016 · Amount on File
Deed Document Number	202672949
Deed Book / Page	1134 / 310
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001619/0000000190
Date	Mar 2, 2017
Book Page	0000001619/0000000190
Instrument	201700034624

Lender

Name	PERRY W CLEAVELAND

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001632/0000000100
Date	Jun 23, 2017
Book Page	0000001632/0000000100
Instrument	201700036065

Lender

Name	CANANDAIGUA NATIONAL BANK & TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	31 Months
Due	Jan 1, 2020

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001301/0000000139
Date	Sep 17, 2010
Book Page	0000001301/0000000139
Instrument	0000003180

Lender

Name	WATERLOO VILLAGE OF

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate	2%

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001222/0000000183
Date	Feb 25, 2009
Book Page	0000001222/0000000183
Instrument	0000000781

Lender

Name	THE COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	311 Months
Due	Jan 1, 2035

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001319/0000000092
Date	Jan 14, 2011
Book Page	0000001319/0000000092
Instrument	0000004722

Lender

Name	THE COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	228 Months
Due	Jan 1, 2030

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Jan 8, 2026
Property Address	36 W MAIN ST, WATERLOO, NY 13165-1329
Document Number	001134/310
Book / Page	1134 / 310
Instrument Date	Jan 7, 2026
Instrument	72949
Transaction Type	Transfer
Record Updated	Feb 11, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 E WATER ST, WATERLOO, NY 13165-1409

Mortgage

Document Number	0000019801
Date	Jan 8, 2026
Instrument	1980/1

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 36 W Main St was $10,133, up 4.3% from the year before.

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Municipality	Waterloo Village
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,133.00 (+4.28%)
2025	$9,717.00 (+3.22%)	$203,000 (-) Land $15,800 Building $187,200	$332,800 (+11.49%) Land $25,903 Building $306,897
2024	$9,414.00	$203,000 (-) Land $15,800 Building $187,200	$298,500 (+4.4%) Land $23,233 Building $275,267
2023		$203,000 Land $15,800 Building $187,200	$285,915 Land $22,253 Building $263,662
2019	$5,036.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 36 W Main St; 6 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force

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 36 W Main St is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

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