55 Union Ave, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 55 Union Ave, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,700 sqft · built 1940
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2022)
Tax Bill	$8,587 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012200 85.09-3-14`

Property Details

APN / Parcel Number

Primary APN	`012200 85.09-3-14`
Alternative APNs	`22000850090003014000` `08500900030140000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Living Area
1st Floor Area	850 sqft
2nd Floor Area	850 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	180 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	408 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	08500900030140000000
Street Address	55 UNION AVE
City	DELMAR
State	NY
Zip	12054-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LOT 5 SLINGERLANDS
Legal Subdivision	SLINGERLANDS
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3019
Census Tract	14202

Owner

55 Union Ave is owned and occupied by two individuals who bought it in August 2022.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 UNION AVE, DELMAR, NY 12054-1628
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Apr 29, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on File
Deed Sale	Aug 12, 2022 · Amount on File
Prior Sale	Jun 30, 2009 · Amount on File
Deed Document Number	202218867
Prior Transfer Date	Jun 22, 2020
Prior Transfer Doc	0000012282
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 UNION AVE, DELMAR, NY 12054-1628
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 DELAWARE AVE A, A, DELMAR, NY 12054-1249

Mortgage

Document Number	0000008868
Date	Aug 12, 2022
Instrument	R2022-18868

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 UNION AVE, DELMAR, NY 12054-1628
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003036
Date	Apr 29, 2021
Instrument	R2021-13036

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 9, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 UNION AVE, DELMAR, NY 12054-1628
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022257
Date	Oct 1, 2020
Instrument	R2020-22257

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 55 Union Ave was $8,587.

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,587.00
2025		$254,600 Land $67,000 Building $187,600	$397,813 Land $104,688 Building $293,125
2023		$254,600 Land $67,000 Building $187,600	$339,467 Land $89,333 Building $250,134

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

Flood

FEMA maps place 55 Union Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1999–2000)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2000 · Severe Storms And Flooding

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 55 Union Ave 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, 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 221 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 Fiber	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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