425 6th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 425 6th Ave, Watervliet, NY 12189

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,632 sqft · built 1920
Lot Size	0.105 acres (4,600 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Oct 2023)
Tax Bill	$5,372 (2026)
Deeds & Mortgages	Oct 2024 Line of Credit Oct 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`011800 44.49-2-12`

Property Details

APN / Parcel Number

Primary APN	`011800 44.49-2-12`
Alternative APNs	`180004404900020120000000` `04404900020120000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,632 sqft Total Area
1st Floor Area	1,316 sqft
2nd Floor Area	1,316 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,600 sqft (0.105 acres)
Lot Dimensions	115 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04404900020120000000
Street Address	425 6TH AVE
City	WATERVLIET
State	NY
Zip	12189-3839
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	2
Legal Lot Number	12.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	1
Census Block	1001
Census Tract	13400

Owner

425 6th Ave, a duplex, is owned and occupied by an individual who bought it in October 2023.

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 File
Mailing Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Oct 24, 2025	Intrafamily Transfer, Transfer
Oct 14, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA
Jan 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	May 23, 2022 · Amount on File
Deed Document Number	202319016
Prior Transfer Date	May 13, 2022
Prior Transfer Doc	0000003231
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 6TH AVE, WATERVLIET, NY 12189-3839

Mortgage

Document Number	0000006638
Date	Oct 3, 2024
Instrument	R2024-16638

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 2, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBANY NY
Recording Date	Oct 24, 2025
Property Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Document Number	0000009390
Instrument Date	Oct 8, 2025
Instrument	R2025-19390
Transaction Type	Transfer
Record Updated	Nov 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 6TH AVE, WATERVLIET, NY 12189-3839

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBANY NY
Recording Date	Oct 14, 2025
Property Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Document Number	0000008521
Instrument Date	Sep 30, 2025
Instrument	R2025-18521
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	WFG NATIONAL TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 6TH AVE, WATERVLIET, NY 12189-3839

Mortgage

Document Number	0000008522
Date	Oct 14, 2025
Instrument	R2025-18522

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2030
Change Frequency	Annually
Min Rate At Change	6.12%
Max Rate At Change	7.62%
Index	1-Year CMT
Margin	3
Max Rate	11.6%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	May 23, 2022
Property Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Document Number	0000003231
Instrument Date	May 13, 2022
Instrument	R2022-13231
Transaction Type	Transfer
Record Updated	Nov 21, 2025
Title Company	MG TITLE SERVICES, 3G TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$880.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	909 SNOW GOOSE CIR, GOOSE CREEK, SC 29445-6678

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	425 6TH AVE, WATERVLIET, NY 12189-3839

Mortgage

Document Number	0000003232
Date	May 23, 2022
Instrument	R2022-13232

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	425 6TH AVE, WATERVLIET, NY 12189-3839
Document Number	0000001735
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 12, 2019
Title Company	SANDS ABSTRACT LLC, SANDS ABS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 6TH AVE WATERVLIET NY 121893839, WATERVLIET, NY 12189-3839

Mortgage

Document Number	0000001735
Date	Jan 24, 2019
Instrument	1735

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 425 6th Ave was $5,372, up 2.8% from the year before.

Source: Albany County and Watervliet City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Watervliet City
Unified School District	Watervliet City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,372.00 (+2.79%)
2025	$5,226.00	$140,600 (-) Land $30,300 Building $110,300	$239,034 (+11%) Land $51,513 Building $187,521
2024		$140,600 (-) Land $30,300 Building $110,300	$215,347 (+6.45%) Land $46,408 Building $168,939
2023		$140,600 (-) Land $30,300 Building $110,300	$202,302 (+15.11%) Land $43,597 Building $158,705
2022		$140,600 Land $30,300 Building $110,300	$175,750 Land $37,875 Building $137,875

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 425 6th Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 425 6th Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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