524 3rd Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 524 3rd Ave, Watervliet, NY 12189

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,418 sqft · built 1870
Lot Size	0.103 acres (4,520 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Oct 2013)
Tax Bill	$6,521 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011800 44.50-1-14`

Property Details

APN / Parcel Number

Primary APN	`011800 44.50-1-14`
Alternative APNs	`180004405000010140000000` `04405000010140000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,418 sqft Total Area
1st Floor Area	1,209 sqft
2nd Floor Area	1,209 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,520 sqft (0.103 acres)
Lot Dimensions	113 ft deep x 40 ft wide
Porch	Slab
Porch Area	175 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04405000010140000000
Street Address	524 3RD AVE
City	WATERVLIET
State	NY
Zip	12189-3702
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	MU1
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	2
Census Block	2011
Census Tract	13400

Owner

Source: Albany County and Watervliet City records, as of August 10, 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	524 3RD AVE, WATERVLIET, NY 12189-3702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Jul 27, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2013 · Amount on Record
Deed Sale	Oct 18, 2013 · Amount on Record
Prior Sale	Dec 3, 2009 · Amount on Record
Deed Document Number	201311495200
Deed Book / Page	3081 / 44
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	524 3RD AVE, WATERVLIET, NY 12189-3702
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 3RD AVE, WATERVLIET, NY 12189-3702

Mortgage

Document Number	0000000009
Date	Jan 3, 2022
Instrument	R2022-00009

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	524 3RD AVE, WATERVLIET, NY 12189-3702
Document Number	0000018205
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Sep 20, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 3RD AVE WATERVLIET NY 121893702, WATERVLIET, NY 12189-3702

Mortgage

Document Number	0000018205
Date	Aug 15, 2018
Instrument	18205

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	524 3RD AVE, WATERVLIET, NY 12189-3702
Document Number	0000020157
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 3RD AVE WATERVLIET NY 121893702, WATERVLIET, NY 12189-3702

Mortgage

Document Number	0000020157
Date	Sep 7, 2018
Instrument	20157

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

Source: Albany County and Watervliet City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Watervliet City
Unified School District	Watervliet City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,521.00	$138,100 (-) Land $30,000 Building $108,100	$234,784 (+18.16%) Land $51,003 Building $183,781
2023		$138,100 Land $30,000 Building $108,100	$198,705 Land $43,165 Building $155,540

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, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 80% of the US · above 54% of New York
Wildfire Likelihood	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	WATERVLIET CITY serves 9,889 people · EPA ID NY0110127
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Jan 2023
Monitoring and Reporting	None 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 526 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 Fixed Wireless · Fiber in parts of the area	300 / 20
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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