498 Dunham Rd, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 498 Dunham Rd, Waterloo, NY 13165

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 1,420 sqft · built 1989
Lot Size	19.9 acres (866,844 sqft)
Owner	Individual Name on File
Tax Bill	$3,544 (2026)
Deeds & Mortgages	Jan 2024 Transfer Jan 2024 Transfer
APN	`453889 14-1-16`

Property Details

APN / Parcel Number

Primary APN	`453889 14-1-16`
Alternative APN	`388901400000010160000000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,420 sqft Living Area
1st Floor Area	970 sqft
2nd Floor Area	450 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	866,844 sqft (19.9 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	498 DUNHAM RD
City	WATERLOO
State	NY
Zip	13165-9562
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	16.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1002
Census Tract	950600

Owner

498 Dunham Rd, a rural home, is owned and occupied by an individual who acquired it in December 2023.

Source: Seneca County and Waterloo Town records, as of September 23, 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	Individual Name on File
Mailing Address	562 DUNHAM RD, WATERLOO, NY 13165-9658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 25, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 7, 2023
Transfer Doc	001092/152
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SENECA NY
Recording Date	Jan 25, 2024
Property Address	498 DUNHAM RD, WATERLOO, NY 13165-9562
Document Number	001092/152
Book / Page	1092 / 152
Instrument Date	Dec 7, 2023
Instrument	65421
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 DUNHAM RD, WATERLOO, NY 13165-9562

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SENECA NY
Recording Date	Jan 25, 2024
Property Address	498 DUNHAM RD, WATERLOO, NY 13165-9562
Document Number	001092/157
Book / Page	1092 / 157
Instrument Date	Dec 7, 2023
Instrument	65422
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 DUNHAM RD, WATERLOO, NY 13165-9562

Tax Assessment & Valuation

The 2026 property tax bill for 498 Dunham Rd was $3,544 with exemptions applied, up 6.1% from the year before.

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,544.00 (+6.14%) Homeowner's exemption Senior Citizen's exemption
2025	$3,339.00	$112,500 Land $36,400 Building $76,100	$184,400 Land $59,664 Building $124,736
2023		$112,500 (-) Land $36,400 Building $76,100	$158,451 (+11.27%) Land $51,268 Building $107,183
2022		$112,500 Land $36,400 Building $76,100	$142,405 Land $46,076 Building $96,329
2019	$1,004.00

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

Flood

FEMA has no flood map on file for 498 Dunham Rd; there have been 1 flood claim nearby since 1979.

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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 498 Dunham Rd 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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