Albany County and Bethlehem Town property record for 538 Custer Rd, Delmar, NY 12054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 1951 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Owner Name on File |
| Last Sale | $205,000 (Jul 2007) |
| Deeds & Mortgages | Jan 2018 Mortgage Jan 2018 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012200 85.18-4-32 |
| Primary APN | 012200 85.18-4-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 1,268 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 11,761 sqft (0.269 acres) |
| Lot Dimensions | 131 ft deep x 87 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
| Patio Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 08501800040320000000 |
|---|---|
| Old Parcel Number | 220008501800040320000000 |
| Street Address | 538 CUSTER RD |
| City | DELMAR |
| State | NY |
| Zip | 12054-2702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR |
| Legal Description | KENAWARE SEC 1 LOT 538 DELMAR |
| Legal Subdivision | DELMAR |
| Legal Block | 4 |
| Legal Lot Number | 32.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | BETHLEHEM |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 14202 |
Source: Albany County and Bethlehem Town records · APN 012200 85.18-4-32
Assessment roll updated May 31, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 26, 2018 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jan 26, 2018 | Deed of Trust, Mortgage TRUSTCO BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jul 28, 2020 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jan 10, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUSTCO BANK |
| Jun 30, 2020 | Loan Modification, Mortgage · Conventional with PMI TRUSTCO BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 19, 2007 · Amount on Record |
| Deed Sale | Jul 19, 2007 · Amount on Record |
| Prior Sale | Sep 12, 2002 |
| Deed Document Number | 9998544 |
| Deed Book / Page | 2891 / 0199 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002217 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | R2018-02217 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Index | LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002216 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | R2018-02216 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000232 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | R2020-30232 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006057 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | R2020-16057 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000231 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | R2020-30231 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Document Number | 0000000902 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | R2022-00902 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 538 CUSTER RD, DELMAR, NY 12054-2702 |
| Document Number | 0000016058 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 538 CUSTER RD DELMAR NY 120542702, DELMAR, NY 12054-2702 |
| Document Number | 0000016058 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 16058 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Albany County and Bethlehem Town records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Bethlehem Town |
| Unified School District | Bethlehem Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $198,000 (-) Land $61,500 Building $136,500 | $309,375 (+17.19%) Land $96,094 Building $213,281 |
| 2023 | $198,000 Land $61,500 Building $136,500 | $264,000 Land $82,000 Building $182,000 |
Source: FEMA National Flood Hazard Layer as of March 6, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 396 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | BETHLEHEM WD NO 1 serves 31,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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