40 Willow Dr, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 40 Willow Dr, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,626 sqft · built 2004
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Sep 2010)
Tax Bill	$12,341 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012200 85.14-4-18.23`

Property Details

APN / Parcel Number

Primary APN	`012200 85.14-4-18.23`
Alternative APNs	`220008501400040180230000` `08501400040180230000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,626 sqft Living Area
1st Floor Area	1,448 sqft
2nd Floor Area	1,178 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	184 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	540 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	08501400040180230000
Street Address	40 WILLOW DR
City	DELMAR
State	NY
Zip	12054-2639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	WILLOW ESTATES LOT 3
Legal Subdivision	WILLOW ESTATES
Legal Block	4
Legal Lot Number	18.023
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2007
Census Tract	14202

Owner

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 WILLOW DR, DELMAR, NY 12054-2639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Nov 1, 2019	Deed of Trust, Mortgage · Conventional with PMI SUNMARK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2010 · Amount on Record
Deed Sale	Sep 21, 2010 · Amount on Record
Prior Sale	Jan 21, 2005 · Amount on Record
Deed Document Number	2010734105
Deed Book / Page	2988 / 416
Last Transfer Date	Mar 13, 2012
Transfer Doc	0030300088
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	40 WILLOW DR, DELMAR, NY 12054-2639
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLOW DR, DELMAR, NY 12054-2639

Mortgage

Document Number	0000000632
Date	Mar 21, 2022
Instrument	R2022-7632

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	40 WILLOW DR, DELMAR, NY 12054-2639
Document Number	0000024234
Instrument Date	Nov 1, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLOW DR DELMAR NY 120542639, DELMAR, NY 12054-2639

Mortgage

Document Number	0000024234
Date	Nov 14, 2019
Instrument	24234

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2049

Tax Assessment & Valuation

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,341.00 (+1.48%) Homeowner's exemption
2025	$12,161.00 Homeowner's exemption	$380,000 (-) Land $73,000 Building $307,000	$593,750 (+17.19%) Land $114,062 Building $479,688
2023		$380,000 Land $73,000 Building $307,000	$506,667 Land $97,333 Building $409,334

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, 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	1 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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