Seneca County and Fayette Town property record for 45 River Rd, Seneca Falls, NY 13148
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,768 sqft · built 1850 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $98,400 (Nov 2008) |
| Tax Bill | $6,789 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| APN | 452201 14-1-12 |
| Primary APN | 452201 14-1-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Living Area |
| 1st Floor Area | 1,432 sqft |
| 2nd Floor Area | 1,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Detached |
| Garage Area | 870 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 300 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 RIVER RD |
|---|---|
| City | SENECA FALLS |
| State | NY |
| Zip | 13148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | FAYETTE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 950700 |
Source: Seneca County and Fayette 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 | 45 W RIVER ST, WATERLOO, NY 13165-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2008 · Amount on Record |
| Deed Sale | Nov 26, 2008 · Amount on Record |
| Deed Book / Page | 788 / 175 |
| Last Transfer Date | Feb 26, 2010 |
| Transfer Doc | 0000000814/000000016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 45 RIVER RD, SENECA FALLS, NY 13148 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001871/275 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 1871/275 |
| Instrument | 60520 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.1% |
| Type Change Date | Nov 1, 2037 |
| Index | 1-Year CMT |
Source: Seneca County and Fayette Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Fayette Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,789.00 (+9.45%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,203.00 (+172.3%) | $126,200 (-) Land $16,300 Building $109,900 | $221,400 (+26.31%) Land $28,596 Building $192,804 |
| 2023 | $126,200 Land $16,300 Building $109,900 | $175,278 Land $22,639 Building $152,639 | |
| 2019 | $2,278.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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 94% of the US · lower than 91% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 10 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 219 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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