445 6th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 445 6th Ave, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,470 sqft · built 1895
Lot Size	0.066 acres (2,880 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2022)
Tax Bill	$3,831 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`011800 44.49-1-49`

Property Details

APN / Parcel Number

Primary APN	`011800 44.49-1-49`
Alternative APNs	`180004404900010490000000` `04404900010490000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,470 sqft Living Area
1st Floor Area	735 sqft
2nd Floor Area	735 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,880 sqft (0.066 acres)
Lot Dimensions	96 ft deep x 30 ft wide

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	168 sqft
Patio Area	320 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04404900010490000000
Street Address	445 6TH AVE
City	WATERVLIET
State	NY
Zip	12189-3840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	49.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	1
Census Block	1002
Census Tract	13400

Owner

Source: Albany County and Watervliet City records, as of October 19, 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 File
Mailing Address	445 6TH AVE, WATERVLIET, NY 12189-3840
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 17, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2022 · Amount on File
Deed Sale	Jul 19, 2022 · Amount on File
Prior Sale	Dec 11, 2019 · Amount on File
Deed Document Number	202216997
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Sep 22, 2026
Property Address	445 6TH AVE, WATERVLIET, NY 12189-3840
Document Number	0000017890
Instrument Date	Aug 26, 2026
Instrument	202617890
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	SERVICELINK, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 6TH AVE, WATERVLIET, NY 12189-3840

Mortgage

Document Number	0000017890,
Date	Sep 22, 2026
Instrument	202617890

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 30, 2051

Interest

Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	445 6TH AVE, WATERVLIET, NY 12189-3840
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 6TH AVE, WATERVLIET, NY 12189-3840

Mortgage

Document Number	0000006715
Date	Nov 17, 2022
Instrument	R2022-26715

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Oct 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,831.00 Homeowner's exemption Senior Citizen's exemption
2025		$124,600 (-) Land $24,500 Building $100,100	$211,833 (+18.16%) Land $41,653 Building $170,180
2023		$124,600 Land $24,500 Building $100,100	$179,281 Land $35,252 Building $144,029

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

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

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.

Nearby Properties on 6th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures