Albany County and Guilderland Town property record for 45 Willow St, Guilderland, NY 12084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,680 sqft · built 1940 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $98,600 (Oct 1996) |
| Tax Bill | $6,978 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 40.13-2-18 |
| Primary APN | 013089 40.13-2-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Upper Floors Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Detached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04001300020180000000 |
|---|---|
| Street Address | 45 WILLOW ST |
| City | GUILDERLAND |
| State | NY |
| Zip | 12084-9753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14617 |
Source: Albany County and Guilderland 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 | Individual Name on Record |
|---|---|
| Mailing Address | 45 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Sep 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Oct 23, 2018 | Grant Deed, Transfer NOT AVAILABLE |
| Sep 27, 2018 | Deed of Trust, Mortgage NATIONAL BK/COXSACKIE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 1996 · Amount on Record |
| Deed Sale | Oct 2, 1996 · Amount on Record |
| Deed Book / Page | 2565 / 654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 45 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003657 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | R2018-23657 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 45 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000555 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | R2019-20555 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Oct 23, 2018 |
| Property Address | 45 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Document Number | 0020183656 |
| Book / Page | 002018 / 023656 |
| Instrument Date | Oct 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 WILLOW ST GUILDERLAND NY 120849753, GUILDERLAND, NY 12084-9753 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 45 WILLOW ST, GUILDERLAND, NY 12084-9753 |
| Document Number | 0000022024 |
| Instrument Date | Sep 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 309 STONITCH RD EAST DURHAM NY 12423, EAST DURHAM, NY 12423 |
| Document Number | 0000022024 |
|---|---|
| Date | Oct 2, 2018 |
| Instrument | 22024 |
| Name | NATIONAL BK/COXSACKIE |
|---|---|
| Type | Bank |
| Address | COXSACKIE, NY 12051-0400 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Oct 1, 2038 |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,978.00 (-0.31%) | ||
| 2025 | $7,000.00 (+11.95%) | $235,000 (-) Land $47,000 Building $188,000 | $313,333 (+13.33%) Land $62,667 Building $250,666 |
| 2023 | $235,000 (-) Land $47,000 Building $188,000 | $276,471 (+7.06%) Land $55,294 Building $221,177 | |
| 2022 | $235,000 Land $47,000 Building $188,000 | $258,242 Land $51,648 Building $206,594 | |
| 2021 | $6,253.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, 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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| 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 68 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 Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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