43 Willow Dr, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 43 Willow Dr, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,880 sqft · built 2006
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Last Sale	$398,000 (Nov 2006)
Tax Bill	$16,264 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012200 85.14-4-18.22`

Property Details

APN / Parcel Number

Primary APN	`012200 85.14-4-18.22`
Alternative APNs	`22000850140004018022` `08501400040180220000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,880 sqft Living Area
1st Floor Area	1,616 sqft
2nd Floor Area	1,264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	246 ft deep x 132 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Pool Area	500 sqft
Patio Area	500 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	08501400040180220000
Street Address	43 WILLOW DR
City	DELMAR
State	NY
Zip	12054-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	DELMAR
Legal Subdivision	DELMAR
Legal Block	4
Legal Lot Number	18.022
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2007
Census Tract	14202

Owner

43 Willow Dr is owned and occupied by two individuals who bought it in November 2006.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43 WILLOW DR, DELMAR, NY 12054-2640
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2006 · Amount on File
Deed Sale	Nov 28, 2006 · Amount on File
Prior Sale	Nov 28, 2006 · Amount on File
Deed Document Number	20069842358
Deed Book / Page	2866 / 896
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	43 WILLOW DR, DELMAR, NY 12054-2640
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 WILLOW DR, DELMAR, NY 12054-2640

Mortgage

Document Number	0000005766
Date	Sep 1, 2023
Instrument	R2023-15766

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	43 WILLOW DR, DELMAR, NY 12054-2640
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006100
Date	Nov 10, 2020
Instrument	R2020-26100

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 43 Willow Dr was $16,264.

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	$16,264.00
2025		$489,000 Land $74,500 Building $414,500	$764,063 Land $116,406 Building $647,657
2023		$469,000 Land $74,500 Building $394,500	$625,333 Land $99,333 Building $526,000

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

Flood

FEMA maps place 43 Willow Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 43 Willow Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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