Albany County and Watervliet City property record for 409 5th Ave, Watervliet, NY 12189
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,058 sqft · built 1932 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $117,000 (Aug 2005) |
| Tax Bill | $6,307 (2026) |
| Deeds & Mortgages | Mar 2020 Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 011800 44.49-2-22 |
| Primary APN | 011800 44.49-2-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,058 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Upper Floors Area | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 308 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04404900020220000000 |
|---|---|
| Street Address | 409 5TH AVE |
| City | WATERVLIET |
| State | NY |
| Zip | 12189-3814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 2 |
| Legal Lot Number | 22.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 13400 |
Source: Albany County and Watervliet City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 409 5TH AVE, WATERVLIET, NY 12189-3814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · Conventional with PMI SEFCU |
| Sep 5, 2019 | Deed of Trust, Mortgage · Line of Credit SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2005 · Amount on Record |
| Deed Sale | Aug 18, 2005 · Amount on Record |
| Deed Book / Page | 2812 / 691 |
| Prior Transfer Date | Jun 21, 2004 |
| Prior Transfer Doc | 0027740116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 409 5TH AVE, WATERVLIET, NY 12189-3814 |
| Document Number | 0000005848 |
| Instrument Date | Mar 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 118 HUDSON AVE #2 GREEN ISLAND NY 121831202, 2, GREEN ISLAND, NY 12183-1202 |
| Document Number | 0000005848 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 5848 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 12, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 409 5TH AVE, WATERVLIET, NY 12189-3814 |
| Document Number | 0000019318 |
| Instrument Date | Sep 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 409 5TH AVE WATERVLIET NY 121893814, WATERVLIET, NY 12189-3814 |
| Document Number | 0000019318 |
|---|---|
| Date | Sep 17, 2019 |
| Instrument | 19318 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 16, 2034 |
| Rate Type | Adjustable Rate |
|---|
Source: Albany County and Watervliet City assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| Municipality | Watervliet City |
| Unified School District | Watervliet City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,307.00 (+8.35%) | ||
| 2025 | $5,821.00 | $156,600 (-) Land $33,100 Building $123,500 | $266,236 (+18.16%) Land $56,273 Building $209,963 |
| 2023 | $156,600 Land $33,100 Building $123,500 | $225,324 Land $47,626 Building $177,698 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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