Seneca County and Waterloo Town property record for 521 Steele Rd, Waterloo, NY 13165 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1974 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,131 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage May 2019 Refinance |
| APN | 453889 17-1-58.2 |
| Primary APN | 453889 17-1-58.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 39,204 sqft (0.9 acres) |
| Porch | Slab |
| Porch Area | 318 sqft |
| Pole Barn | Pole Barn |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 521 STEELE RD |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-9568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MB73-92 |
| Legal Block | 1 |
| Legal Lot Number | 58.002 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950600 |
Source: Seneca County and Waterloo Town records · APN 453889 17-1-58.2
Assessment roll updated May 14, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 521 STEELE RD, WATERLOO, NY 13165-9568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2026 | Deed of Trust, Mortgage ESL FCU |
| May 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ESL FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 521 STEELE RD, WATERLOO, NY 13165-9568 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001984/123 |
|---|---|
| Date | Feb 26, 2026 |
| Book Page | 1984/123 |
| Instrument | 73455 |
| Name | ESL FCU |
|---|
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 521 STEELE RD, WATERLOO, NY 13165-9568 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1705/39 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 1705/39 |
| Instrument | 44777 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jun 01, 2028 |
Source: Seneca County and Waterloo Town records · Assessment roll updated May 14, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Unified School District | Waterloo Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,131.00 (+267.49%) | $105,400 (-) Land $13,000 Building $92,400 | $172,800 (+16.4%) Land $21,313 Building $151,487 |
| 2023 | $105,400 Land $13,000 Building $92,400 | $148,451 Land $18,310 Building $130,141 | |
| 2019 | $852.00 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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