Albany County and Colonie Town property record for 4 Howansky Dr, Watervliet, NY 12189
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,570 sqft · built 2010 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $376,500 (Jul 2010) |
| Tax Bill | $10,630 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 20.1-2-32 |
| Primary APN | 012689 20.1-2-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,570 sqft Living Area |
| 1st Floor Area | 1,154 sqft |
| 2nd Floor Area | 1,076 sqft |
| Upper Floors Area | 340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 152 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02000100020320000000 |
|---|---|
| Street Address | 4 HOWANSKY DR |
| City | WATERVLIET |
| State | NY |
| Zip | 12189-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Subdivision | SUBDIVISION PLAN MORNINGVIEW FARMS |
| Legal Block | 2 |
| Legal Lot Number | 32.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 13503 |
4 Howansky Dr is owned and occupied by two individuals who bought it in July 2010.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 HOWANSKY DR, WATERVLIET, NY 12189-2414 |
| 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.
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2010 · Amount on File |
| Deed Sale | Jul 7, 2010 · Amount on File |
| Deed Document Number | 2010684363 |
| Deed Book / Page | 2982 / 996 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 4 HOWANSKY DR, WATERVLIET, NY 12189-2414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 4 HOWANSKY DR, WATERVLIET, NY 12189-2414 |
| Document Number | 0000001651 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | R2022-01651 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | GENOA, OH 43430 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 175 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 4 HOWANSKY DR, WATERVLIET, NY 12189-2414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 4 HOWANSKY DR, WATERVLIET, NY 12189-2414 |
| Document Number | 0000001652 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | R2022-01652 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 163 Months |
| Due | Aug 1, 2035 |
| Rate | 3.37% |
|---|
The 2026 property tax bill for 4 Howansky Dr was $10,630 with a homeowner's exemption, up 2.3% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | North Colonie Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,630.00 (+2.34%) Homeowner's exemption | ||
| 2025 | $10,387.00 Homeowner's exemption | $252,000 Land $63,000 Building $189,000 | $576,700 Land $144,175 Building $432,525 |
| 2023 | $252,000 (-) Land $63,000 Building $189,000 | $494,100 (+9.31%) Land $123,525 Building $370,575 | |
| 2022 | $252,000 Land $63,000 Building $189,000 | $452,018 Land $113,004 Building $339,014 | |
| 2021 | $9,587.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Howansky Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2012 · rainfall accumulation |
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 4 Howansky Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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