Albany County and Westerlo Town property record for 3861 State Rte 85, Westerlo, NY 12193
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,530 sqft · built 2003 |
| Lot Size | 51.7 acres (2,252,923 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,301 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 127.-2-28 |
| Primary APN | 013800 127.-2-28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Upper Floors Area | 510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Rustic |
| Exterior Material | Wood |
| Lot Area | 2,252,923 sqft (51.7 acres) |
| Patio Area | 160 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 12700000020280000000 |
|---|---|
| Street Address | 3861 STATE ROUTE 85 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RDA |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 14803 |
3861 State Rte 85, a rural home, is owned and occupied by two individuals.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3861 STATE ROUTE 85, WESTERLO, NY 12193-2117 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3861 State Rte 85 was $4,301 with a homeowner's exemption, up 54.8% from the year before.
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 | $4,301.00 (+54.82%) Homeowner's exemption | ||
| 2025 | $2,778.00 Homeowner's exemption | $1,550 Land $400 Building $1,150 | $267,241 Land $68,965 Building $198,276 |
| 2023 | $1,550 (-) Land $400 Building $1,150 | $242,200 (+17.19%) Land $62,503 Building $179,697 | |
| 2022 | $1,550 Land $400 Building $1,150 | $206,667 Land $53,333 Building $153,334 | |
| 2021 | $2,506.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3861 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 |
|
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 risk around 3861 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.
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 |
5G and 4G LTE (outdoors only)
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