404 7th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 404 7th Ave, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1935
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Oct 2023)
Tax Bill	$5,501 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011800 44.49-1-37`

Property Details

APN / Parcel Number

Primary APN	`011800 44.49-1-37`
Alternative APNs	`180004404900010370000000` `04404900010370000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Porch
Porch Area	84 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04404900010370000000
Street Address	404 7TH AVE
City	WATERVLIET
State	NY
Zip	12189-3844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	37.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	1
Census Block	1002
Census Tract	13400

Owner

Source: Albany County and Watervliet City 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	Individual Name on Record
Mailing Address	404 7TH AVE, WATERVLIET, NY 12189-3844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU
Jul 31, 2018	Grant Deed, Transfer SEFCU
Jul 31, 2018	Grant Deed, Transfer · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Prior Sale	Jul 31, 2018 · Amount on Record
Deed Document Number	202318551
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	404 7TH AVE, WATERVLIET, NY 12189-3844
Transaction Type	Mortgage
Record Updated	Nov 16, 2023
Title Company	MPR TITLE AGENCY, SMPR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 5TH AVE, WATERVLIET, NY 12189-3704

Mortgage

Document Number	0000008553
Date	Oct 16, 2023
Instrument	R2023-18553

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Max Rate	10.7%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 31, 2018
Property Address	404 7TH AVE, WATERVLIET, NY 12189-3844
Document Number	0020186874
Book / Page	002018 / 016874
Instrument Date	Jul 25, 2018
Instrument	16875
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 7TH AVE WATERVLIET NY 121893844, WATERVLIET, NY 12189-3844

Mortgage

Document Number	16875
Date	Jul 31, 2018
Instrument	16875

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 31, 2018
Property Address	404 7TH AVE, WATERVLIET, NY 12189-3844
Document Number	0000016874
Instrument Date	Jul 25, 2018
Instrument	16874
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 CENTERVIEW DR TROY NY 121801917, TROY, NY 12180-1917

Mortgage

Document Number	16875
Date	Jul 31, 2018
Instrument	16875

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

Mortgage

Document Number	16876,
Date	Jul 31, 2018
Instrument	16876

Lender

Name	SEFCU
Type	Credit Union
Address	BOULEVARD, NY 12206

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Albany County and Watervliet City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Watervliet City
Unified School District	Watervliet City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,501.00
2025		$135,500 (-) Land $28,100 Building $107,400	$230,364 (+18.16%) Land $47,773 Building $182,591
2023		$135,500 Land $28,100 Building $107,400	$194,964 Land $40,432 Building $154,532

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 97.9% 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.

Drinking Water

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

Water System	WATERVLIET CITY serves 9,889 people · EPA ID NY0110127
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2023
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 526 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 Fixed Wireless · Fiber in parts of the area	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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