41 Bower Ct, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 41 Bower Ct, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,740 sqft · built 1970
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,809 (2026)
Deeds & Mortgages	Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012200 86.18-2-2`

Property Details

APN / Parcel Number

Primary APN	`012200 86.18-2-2`
Alternative APNs	`220008601800020020000000` `08601800020020000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,740 sqft Living Area
1st Floor Area	1,420 sqft
2nd Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	129 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	223 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	08601800020020000000
Street Address	41 BOWER CT
City	DELMAR
State	NY
Zip	12054-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	OAK LEAF ACRES LOT 41 PT LOT 37 BLK K
Legal Block	2
Legal Lot Number	2.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2005
Census Tract	14201

Owner

Source: Albany County and Bethlehem Town 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	2 Individual Names on Record
Mailing Address	41 BOWER CT, DELMAR, NY 12054-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 10, 2022
Transfer Doc	0000012414
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	41 BOWER CT, DELMAR, NY 12054-3503
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	NOT AVAILABLE, PAC ABSTRACT & TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 VICTORIA WAY, ALBANY, NY 12209-1150

Mortgage

Document Number	0000006497
Date	Sep 14, 2023
Instrument	R2023-16497

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Max Rate	10.6%

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	$10,809.00
2025		$324,100 (-) Land $68,000 Building $256,100	$506,406 (+17.19%) Land $106,250 Building $400,156
2023		$324,100 Land $68,000 Building $256,100	$432,133 Land $90,667 Building $341,466

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	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal 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	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	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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20