398 Co Rte 312, Westerlo, NY 12193 Property Records

Albany County and Westerlo Town property record for 398 Co Rte 312, Westerlo, NY 12193

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,120 sqft · built 1978
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Apr 2026 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`013800 140.-1-34`

Property Details

APN / Parcel Number

Primary APN	`013800 140.-1-34`
Alternative APNs	`380014000000010340000000` `14000000010340000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	29,185 sqft (0.669 acres)
Porch	Covered Porch
Porch Area	326 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	14000000010340000000
Old Parcel Number	380014000000010340000000
Street Address	398 COUNTY ROUTE 312
City	WESTERLO
State	NY
Zip	12193-2810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RDA
Legal Description	LOT:34.000 BLK:1 SEC:140.00 DIST:013800 CITY/MUNI/TWP:WESTERLO
Legal Block	1
Legal Lot Number	34.000
Jurisdiction	ALBANY NY
Township / Civil Division	WESTERLO
Census Block Group	1
Census Block	1024
Census Tract	14803

Owner

Source: Albany County and Westerlo Town records · APN 013800 140.-1-34

Assessment roll updated May 31, 2025 · Last verified March 2026

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

Owner of Record	Individual Name on File
Mailing Address	398 COUNTY ROUTE 312, WESTERLO, NY 12193-2810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Aug 25, 2017	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Apr 28, 2026
Property Address	398 COUNTY ROUTE 312, WESTERLO, NY 12193-2810
Document Number	0000008099
Instrument Date	May 23, 2025
Instrument	20268099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 COUNTY ROUTE 312, WESTERLO, NY 12193-2810

Mortgage

Document Number	0000008099,
Date	Apr 28, 2026
Instrument	20268099

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.81%
Max Rate	-1%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	398 COUNTY ROUTE 312, WESTERLO, NY 12193-2810
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020340
Date	Aug 25, 2017
Instrument	R2017-20340

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Albany County and Westerlo Town records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Westerlo Town
Unified School District	Greenville Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Assessed Value	Assessed Market Value
2025	$1,100 (-) Land $250 Building $850	$189,655 (+10.33%) Land $43,103 Building $146,552
2023	$1,100 Land $250 Building $850	$171,900 Land $39,068 Building $132,832

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 6, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 6 locations within half a mile of this property.

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