42 Upper Flat Rock Rd, Delmar, NY 12054 Property Records

Albany County and New Scotland Town property record for 42 Upper Flat Rock Rd, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Dec 2017)
Tax Bill	$4,500 (2026)
Deeds & Mortgages	May 2023 Line of Credit Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013489 106.-1-25`

Property Details

APN / Parcel Number

Primary APN	`013489 106.-1-25`
Alternative APNs	`348910600000010250000000` `10600000010250000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	912 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	218 ft deep x 200 ft wide
Porch	Slab
Porch Area	248 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	10600000010250000000
Street Address	42 UPPER FLAT ROCK RD
City	DELMAR
State	NY
Zip	12054-5228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	1-83-11 SCHLERETH HIGHWAY RESIDENCE
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	ALBANY NY
Township / Civil Division	NEW SCOTLAND
Census Block Group	2
Census Block	2012
Census Tract	14502

Owner

Source: Albany County and New Scotland 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	42 UPPER FLAT ROCK RD, DELMAR, NY 12054-5228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Dec 5, 2017	Deed, Transfer · FHA Mortgage STATE EMPLOYEES FCU
May 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage ANGELO SANGIUOLO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2017 · Amount on Record
Deed Sale	Dec 5, 2017 · Amount on Record
Deed Document Number	201729136
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	42 UPPER FLAT ROCK RD, DELMAR, NY 12054-5228
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 UPPER FLAT ROCK RD, DELMAR, NY 12054-5228

Mortgage

Document Number	0000000211
Date	May 23, 2023
Instrument	R2023-9211

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 22, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBANY NY
Recording Date	Dec 5, 2017
Property Address	42 UPPER FLAT ROCK RD, DELMAR, NY 12054-5228
Document Number	0000009136
Instrument Date	Nov 28, 2017
Instrument	R2017-29136
Transaction Type	Transfer
Record Updated	Apr 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 14164, ALBANY, NY 12212-4164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 ORCHARD ST # A, A, DELMAR, NY 12054-9748

Mortgage

Document Number	0000009137
Date	Dec 5, 2017
Instrument	R2017-29137

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	42 UPPER FLAT ROCK RD, DELMAR, NY 12054-5228
Document Number	0000010680
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	19 GALLOWAY LN WALDEN NY 125861653, WALDEN, NY 12586-1653

Mortgage

Document Number	0000010680
Date	May 9, 2017
Instrument	10680

Lender

Name	ANGELO SANGIUOLO
Address	17171 PARK ROW # 100, HOUSTON, TX 77084-4935

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,500.00
2025		$147,000 (-) Land $34,000 Building $113,000	$226,200 (+13.9%) Land $52,318 Building $173,882
2023		$147,000 Land $34,000 Building $113,000	$198,600 Land $45,935 Building $152,665

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	6 in force
Nearby Flood Claims	6 (2004–2011)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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