407 W Main St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 407 W Main St, Waterloo, NY 13165

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,414 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Oct 2023)
Tax Bill	$3,307 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
APN	`453801 09-1-52`

Property Details

APN / Parcel Number

Primary APN	`453801 09-1-52`
Alternative APN	`380100900000010520000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,414 sqft Total Area
1st Floor Area	1,276 sqft
2nd Floor Area	1,138 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	198 ft deep x 46 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	534 sqft
Canopy	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 W MAIN ST
City	WATERLOO
State	NY
Zip	13165-1303
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	52.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2017
Census Tract	950600

Owner

Source: Seneca County and Waterloo 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	407 W MAIN ST, WATERLOO, NY 13165-1303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Feb 24, 1999 · Amount on Record
Deed Document Number	202364177
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Oct 3, 2023
Property Address	407 W MAIN ST, WATERLOO, NY 13165-1303
Document Number	0000064177
Instrument Date	Sep 29, 2023
Instrument	64177
Transaction Type	Transfer
Record Updated	Oct 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	407 W MAIN ST, WATERLOO, NY 13165-1303

Mortgage

Document Number	0000064178
Date	Oct 3, 2023
Instrument	64178

Lender

Name	GENERATIONS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Municipality	Waterloo Village
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,307.00 (+4.19%)
2025	$3,174.00 (+89.49%)	$65,000 (-) Land $13,000 Building $52,000	$106,600 (+16.44%) Land $21,320 Building $85,280
2023		$65,000 (-) Land $13,000 Building $52,000	$91,549 (+11.27%) Land $18,310 Building $73,239
2022		$65,000 Land $13,000 Building $52,000	$82,278 Land $16,456 Building $65,822
2019	$1,675.00

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	6 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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	WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

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