Seneca County and Waterloo Town property record for 428 Dunham Rd, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,729 sqft · built 1975 |
| Lot Size | 1.46 acres (63,598 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $2,621 (2026) |
| Deeds & Mortgages | Feb 2024 Refinance Sep 2025 Sale |
| APN | 453889 14-1-14 |
| Primary APN | 453889 14-1-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,729 sqft Living Area |
| 1st Floor Area | 1,729 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 63,598 sqft (1.46 acres) |
| Lot Dimensions | 223 ft deep x 285 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 425 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 428 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 | 14.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 950600 |
Source: Seneca County and Waterloo 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 | 7357 COUNTY ROAD 131, OVID, NY 14521-9509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Feb 29, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Sep 24, 2025 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on Record |
| Deed Sale | Sep 24, 2025 · Amount on Record |
| Deed Document Number | 202571751 |
| Deed Book / Page | 1128 / 112 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 428 DUNHAM RD, WATERLOO, NY 13165-9562 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001917/126 |
|---|---|
| Date | Feb 29, 2024 |
| Book Page | 1917/126 |
| Instrument | 65763 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Sep 24, 2025 |
| Property Address | 428 DUNHAM RD, WATERLOO, NY 13165-9562 |
| Document Number | 001128/112 |
| Book / Page | 1128 / 112 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 71751 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7357 COUNTY ROAD 131, OVID, NY 14521-9509 |
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,621.00 (+6.07%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,471.00 (+3.52%) | $82,900 (-) Land $25,300 Building $57,600 | $135,900 (+16.39%) Land $41,475 Building $94,425 |
| 2023 | $82,900 Land $25,300 Building $57,600 | $116,761 Land $35,634 Building $81,127 | |
| 2019 | $2,387.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
5G and 4G LTE (outdoors only)
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