5 Locust St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 5 Locust St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,258 sqft · built 1832
Lot Size	0.63 acres (27,443 sqft)
Owner	Company Name on Record
Last Sale	$62,000 (Sep 2015)
Tax Bill	$3,108 (2025)
Deeds & Mortgages	Apr 2022 Refinance Jan 2021 Sale
APN	`453801 09-2-68`

Property Details

APN / Parcel Number

Primary APN	`453801 09-2-68`
Alternative APN	`380100900000020680000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,258 sqft Living Area
1st Floor Area	1,458 sqft
2nd Floor Area	800 sqft

Exterior

Year Built	Built 1832
Effective Year Built	Effective 1832
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	198 ft deep x 116 ft wide
Porch	Slab
Porch Area	513 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5 LOCUST ST
City	WATERLOO
State	NY
Zip	13165-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB65-288
Legal Block	2
Legal Lot Number	68.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2005
Census Tract	950600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1004 ARABIAN SAND CT, LAS VEGAS, NV 89144-1668
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KINDERBANK LLC
Jan 21, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2015 · Amount on Record
Deed Sale	Sep 15, 2015 · Amount on Record
Deed Book / Page	915 / 146
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	5 LOCUST ST, WATERLOO, NY 13165-1324
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001849/77
Date	Apr 5, 2022
Book Page	1849/77
Instrument	57948

Lender

Name	KINDERBANK LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Jan 21, 2021
Property Address	5 LOCUST ST, WATERLOO, NY 13165-1324
Document Number	001024/302
Book / Page	1024 / 302
Instrument Date	Dec 31, 2020
Instrument	51888
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 ARABIAN SAND CT, LAS VEGAS, NV 89144-1668

Tax Assessment & Valuation

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
Municipality	Waterloo Village
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,108.00 (+4.33%)	$64,800 (-) Land $16,300 Building $48,500	$106,200 (+16.36%) Land $26,714 Building $79,486
2023		$64,800 Land $16,300 Building $48,500	$91,268 Land $22,958 Building $68,310
2019	$2,979.00

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

Flood

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	6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

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