45 Dowers Way, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 45 Dowers Way, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,886 sqft · built 1999
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$250,522 (Feb 1999)
Tax Bill	$12,918 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012200 97.13-3-44`

Property Details

APN / Parcel Number

Primary APN	`012200 97.13-3-44`
Alternative APNs	`22000970130003044000` `09701300030440000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,886 sqft Living Area
1st Floor Area	1,510 sqft
2nd Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	119 ft deep x 29.4 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	09701300030440000000
Street Address	45 DOWERS WAY
City	DELMAR
State	NY
Zip	12054-6707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	HASWELL FARMS DELMAR
Legal Subdivision	DELMAR
Legal Block	3
Legal Lot Number	44.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	1
Census Block	1005
Census Tract	14303

Owner

45 Dowers Way is owned and occupied by two individuals who bought it in February 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 DOWERS WAY, DELMAR, NY 12054-6707
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
Apr 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Apr 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Apr 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 1999 · Amount on File
Deed Sale	Feb 5, 1999 · Amount on File
Prior Sale	Feb 5, 1999 · Amount on File
Deed Book / Page	2622 / 374
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	45 DOWERS WAY, DELMAR, NY 12054-6707
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000943
Date	Apr 7, 2021
Instrument	R2021-10943

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2036

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	45 DOWERS WAY, DELMAR, NY 12054-6707
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000942
Date	Apr 7, 2021
Instrument	R2021-10942

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2036

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	45 DOWERS WAY, DELMAR, NY 12054-6707
Document Number	0000009901
Instrument Date	Apr 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 DOWERS WAY DELMAR NY 120546707, DELMAR, NY 12054-6707

Mortgage

Document Number	0000009901
Date	May 1, 2017
Instrument	9901

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 30, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 45 Dowers Way was $12,918, up 1.1% from the year before.

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	$12,918.00 (+1.1%)
2025	$12,778.00	$388,400 Land $80,000 Building $308,400	$606,875 Land $125,000 Building $481,875
2023		$388,400 Land $80,000 Building $308,400	$517,867 Land $106,667 Building $411,200

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

Flood

FEMA maps place 45 Dowers Way 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 45 Dowers Way 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	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 241 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.

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