Seneca County and Waterloo Town property record for 39 Mill St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,528 sqft · built 1920 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $55,000 (Aug 2003) |
| Tax Bill | $3,318 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Feb 2017 Sale |
| APN | 453801 08-1-25 |
| Primary APN | 453801 08-1-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 1,252 sqft |
| Upper Floors Area | 276 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,878 sqft (0.64 acres) |
| Lot Dimensions | 155 ft deep x 176 ft wide |
| Garage Type | Attached |
| Garage Area | 270 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 98 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 39 MILL ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 950500 |
Source: Seneca County and Waterloo Town records · APN 453801 08-1-25
Assessment roll updated May 14, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 39 MILL ST, WATERLOO, NY 13165-1640 |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 13, 2026 | Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION |
| Feb 10, 2017 | Deed, Transfer CHRISTI L. MILLER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2003 · Amount on Record |
| Deed Sale | Aug 25, 2003 · Amount on Record |
| Deed Book / Page | 671 / 170 |
| Last Transfer Date | Feb 09, 2017 |
| Transfer Doc | 0000000944/000000022 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Apr 13, 2026 |
| Property Address | 39 MILL ST, WATERLOO, NY 13165-1640 |
| Document Number | 001989/169 |
| Book / Page | 1989 / 169 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 202674007 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 39 MILL ST, WATERLOO, NY 13165-1640 |
| Document Number | 0000074007, |
|---|---|
| Date | Apr 13, 2026 |
| Book Page | 1989/169 |
| Instrument | 202674007 |
| Name | ESL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 01, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Feb 10, 2017 |
| Property Address | 39 MILL ST, WATERLOO, NY 13165-1640 |
| Document Number | 0000000944/0000000229 |
| Book / Page | 0000000944 / 0000000229 |
| Instrument Date | Feb 09, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2022 |
| Title Company | CHRISTI L. MILLER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 MILL ST, WATERLOO, NY 13165-1640 |
Source: Seneca County and Waterloo Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,318.00 (+91.68%) | $68,800 (-) Land $16,300 Building $52,500 | $112,800 (+16.41%) Land $26,724 Building $86,076 |
| 2023 | $68,800 Land $16,300 Building $52,500 | $96,901 Land $22,958 Building $73,943 | |
| 2019 | $1,731.00 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | Mar 1990 · other causes |
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Women's Rights National Historic Park (Boundary Increase) listed 2012 · 3 contributing resources · NRIS 12000134 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Compass Broadband Network Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 286 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO VILLAGE serves 7,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 10 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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