3955 Watts Rd, Waterloo, NY 13165 Property Records

Seneca County and Fayette Town property record for 3955 Watts Rd, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,534 sqft · built 2006
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Oct 2020)
Tax Bill	$4,060 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Sale & Mortgage
APN	`452289 20-1-19.3`

Property Details

APN / Parcel Number

Primary APN	`452289 20-1-19.3`
Alternative APN	`228902000000010190030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,534 sqft Living Area
1st Floor Area	1,534 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	85,813 sqft (1.97 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3955 WATTS RD
City	WATERLOO
State	NY
Zip	13165-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Block	1
Legal Lot Number	19.003
Jurisdiction	SENECA NY
Township / Civil Division	FAYETTE
Census Block Group	3
Census Block	3000
Census Tract	950700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3955 WATTS RD, WATERLOO, NY 13165-9608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PREMIUM MORTGAGE CO
Oct 15, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202050662
Deed Book / Page	1019 / 222
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	3955 WATTS RD, WATERLOO, NY 13165-9608
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1770/121
Date	Oct 15, 2020
Book Page	1770/121
Instrument	50664

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Oct 15, 2020
Property Address	3955 WATTS RD, WATERLOO, NY 13165-9608
Document Number	001019/222
Book / Page	1019 / 222
Instrument Date	Sep 11, 2020
Instrument	50662
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Amount	Amount Recorded
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	711 PULTENEY ST #19 # 19, 19, GENEVA, NY 14456-2328

Mortgage

Document Number	0000050663
Date	Oct 15, 2020
Instrument	50663

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,060.00 (+12.72%)
2025	$3,602.00 (+281.16%)	$117,800 (-) Land $22,900 Building $94,900	$206,700 (+26.34%) Land $40,182 Building $166,518
2023		$117,800 Land $22,900 Building $94,900	$163,611 Land $31,806 Building $131,805
2019	$945.00

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

Flood

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	3 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

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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