420 Dunham Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 420 Dunham Rd, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,444 sqft · built 1961
Lot Size	3.36 acres (146,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$16,000 (Aug 2022)
Tax Bill	$6,465 (2025)
Deeds & Mortgages	Sep 2019 Refinance Jan 2022 Refinance + 2 more
APN	`453889 14-1-13.2`

Property Details

APN / Parcel Number

Primary APN	`453889 14-1-13.2`
Alternative APN	`388901400000010130020000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,444 sqft Living Area
1st Floor Area	3,052 sqft
Basement Area	392 sqft
Finished Basement	392 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	146,362 sqft (3.36 acres)
Garage Type	Mixed
Garage Area	1,600 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Slab
Porch Area	960 sqft
Patio Area	778 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	420 DUNHAM RD
City	WATERLOO
State	NY
Zip	13165-9562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	13.002
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1002
Census Tract	950600

Owner

Source: Seneca County and Waterloo Town records, as of May 14, 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	420 DUNHAM RD, WATERLOO, NY 13165-9562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GENESEE REGIONAL BANK
Aug 12, 2022	Warranty Deed, Transfer
Mar 19, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Mar 19, 2018 · Amount on Record
Deed Document Number	202259676
Deed Book / Page	1062 / 132
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	420 DUNHAM RD, WATERLOO, NY 13165-9562
Transaction Type	Mortgage
Record Updated	Mar 14, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001715/96
Date	Sep 4, 2019
Book Page	1715/96
Instrument	45857

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Oct 1, 2033

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	420 DUNHAM RD, WATERLOO, NY 13165-9562
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001841/154
Date	Jan 31, 2022
Book Page	1841/154
Instrument	57121

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Aug 12, 2022
Property Address	420 DUNHAM RD, WATERLOO, NY 13165-9562
Document Number	001062/132
Book / Page	1062 / 132
Instrument Date	Jul 28, 2022
Instrument	59676
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 DUNHAM RD, WATERLOO, NY 13165-9562

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Mar 19, 2018
Property Address	420 DUNHAM RD, WATERLOO, NY 13165-9562
Document Number	000966/320
Book / Page	966 / 320
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 DUNHAM RD, WATERLOO, NY 13165-9562

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
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,465.00 (+236.89%)	$219,000 (-) Land $25,100 Building $193,900	$359,000 (+16.39%) Land $41,146 Building $317,854
2023		$219,000 Land $25,100 Building $193,900	$308,451 Land $35,352 Building $273,099
2019	$1,919.00

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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