40 Waterloo St, Clyde, NY 14433 Property Records

Wayne County and Galen Town property record for 40 Waterloo St, Clyde, NY 14433

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,742 sqft · built 1870
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Oct 2021 Refinance Jan 2020 Mortgage
APN	`0020-00`

Property Details

APN / Parcel Number

Primary APN	`0020-00`
Alternative APNs	`240107411200182572090000` `542401 74112-18-257209`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,742 sqft Living Area
1st Floor Area	926 sqft
2nd Floor Area	816 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	198 ft deep x 61.5 ft wide

Exterior Amenities

Porch	Porch
Porch Area	328 sqft
Shed	1 Shed
Shed Area	500 sqft
Canopy	234 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0020-00
Street Address	40 WATERLOO ST
City	CLYDE
State	NY
Zip	14433-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	42112-17-223205
Legal Block	18
Legal Lot Number	257.209
Jurisdiction	WAYNE NY
Township / Civil Division	GALEN
Census Block Group	2
Census Block	2044
Census Tract	21800

Owner

Source: Wayne County and Galen Town records, as of August 10, 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 Record
Mailing Address	40 WATERLOO ST, CLYDE, NY 14433-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Jan 23, 2020	Deed of Trust, Mortgage · Conventional with PMI LYONS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE NY
Property Address	40 WATERLOO ST, CLYDE, NY 14433-1426
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	R9237216
Date	Oct 7, 2021
Instrument	R9237216

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAYNE NY
Property Address	40 WATERLOO ST, CLYDE, NY 14433-1426
Document Number	00R9218117
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 28, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WATERLOO ST CLYDE NY 144331426, CLYDE, NY 14433-1426

Mortgage

Document Number	00R9218117
Date	Jan 30, 2020
Instrument	R9218117

Lender

Name	LYONS NAT'L BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jan 29, 2040

Tax Assessment & Valuation

Source: Wayne County and Galen Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Wayne County
County Subdivision	Galen Town
Municipality	Clyde Village
Unified School District	Clyde-Savannah Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,009.00	$68,000 (-) Land $7,600 Building $60,400	$104,615 (+29.23%) Land $11,692 Building $92,923
2023		$68,000 Land $7,600 Building $60,400	$80,952 Land $9,048 Building $71,904

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
Nearby Flood Claims	2 (1979–1986)
Most Recent Claim	Jan 1986 · river or lake flooding

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLYDE VILLAGE serves 2,269 people · EPA ID NY5801228
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CBN.

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