Albany County and Guilderland Town property record for 48 Willow St, Guilderland, NY 12084
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,120 sqft · built 1950 |
| Lot Size | 0.45 acres (19,631 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Apr 2010) |
| Tax Bill | $5,089 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 40.13-3-4 |
| Primary APN | 013089 40.13-3-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 756 sqft |
| Upper Floors Area | 364 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,631 sqft (0.45 acres) |
| Lot Dimensions | 266 ft deep x 73.8 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04001300030040000000 |
|---|---|
| Street Address | 48 WILLOW ST |
| City | GUILDERLAND |
| State | NY |
| Zip | 12084-9778 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Block | 3 |
| Legal Lot Number | 4.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 14617 |
48 Willow St is owned and occupied by an individual who bought it in April 2010.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 WILLOW ST, GUILDERLAND, NY 12084-9778 |
| 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.
| Date | Document |
|---|---|
| Jul 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 3, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2010 · Amount on File |
| Deed Sale | Apr 20, 2010 · Amount on File |
| Deed Document Number | 2010632901 |
| Deed Book / Page | 2976 / 317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 48 WILLOW ST, GUILDERLAND, NY 12084-9778 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 48 WILLOW ST, GUILDERLAND, NY 12084-9778 |
| Document Number | 0000003041 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | R2023-13041 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 48 WILLOW ST, GUILDERLAND, NY 12084-9778 |
| Document Number | 0000025895 |
| Instrument Date | Oct 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 48 WILLOW ST GUILDERLAND NY 120849778, GUILDERLAND, NY 12084-9778 |
| Document Number | 0000025895 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 25895 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 5, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 48 WILLOW ST, GUILDERLAND, NY 12084-9778 |
| Document Number | 0000027967 |
| Instrument Date | Dec 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 48 WILLOW ST GUILDERLAND NY 120849778, GUILDERLAND, NY 12084-9778 |
| Document Number | 0000027967 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 27967 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 29, 2059 |
| Rate | 5.25% |
|---|
The 2026 property tax bill for 48 Willow St was $5,089 with a homeowner's exemption, up 8.1% from the year before.
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 | $5,089.00 (+8.12%) Homeowner's exemption | ||
| 2025 | $4,707.00 Homeowner's exemption | $168,000 Land $34,000 Building $134,000 | $224,000 Land $45,333 Building $178,667 |
| 2023 | $168,000 (-) Land $34,000 Building $134,000 | $197,647 (+7.06%) Land $40,000 Building $157,647 | |
| 2022 | $168,000 Land $34,000 Building $134,000 | $184,615 Land $37,363 Building $147,252 | |
| 2021 | $4,041.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Willow St 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 risk around 48 Willow St 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.
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 59 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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