58 N Seneca St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 58 N Seneca St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,196 sqft · built 1840
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$46,000 (May 2001)
Tax Bill	$3,106 (2026)
Deeds & Mortgages	Feb 2020 Refinance Mar 2017 Transfer
APN	`453801 04-2-38`

Property Details

APN / Parcel Number

Primary APN	`453801 04-2-38`
Alternative APN	`380100400000020380000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,196 sqft Living Area
1st Floor Area	893 sqft
Upper Floors Area	303 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	183 ft deep x 72 ft wide
Porch	Slab
Porch Area	492 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	58 N SENECA ST
City	WATERLOO
State	NY
Zip	13165-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	2
Legal Lot Number	38.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	1
Census Block	1031
Census Tract	950600

Owner

58 N Seneca St is owned and occupied by two individuals who acquired it in March 2017.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	58 N SENECA ST, WATERLOO, NY 13165-1007
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
Feb 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FINGER LAKES FEDERAL CREDIT UNION
Mar 22, 2017	Intrafamily Transfer, Transfer NOT AVAILABLE, JOHN A. KARPINSKI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2001 · Amount on File
Deed Sale	May 18, 2001 · Amount on File
Deed Book / Page	625 / 132
Last Transfer Date	Mar 17, 2017
Transfer Doc	0000000946/000000031
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	58 N SENECA ST, WATERLOO, NY 13165-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1734/160
Date	Feb 10, 2020
Book Page	1734/160
Instrument	47789

Lender

Name	FINGER LAKES FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2030

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SENECA NY
Recording Date	Mar 22, 2017
Property Address	58 N SENECA ST, WATERLOO, NY 13165-1007
Document Number	0000000946/0000000310
Book / Page	0000000946 / 0000000310
Instrument Date	Mar 17, 2017
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	NOT AVAILABLE, JOHN A. KARPINSKI

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 N SENECA ST, WATERLOO, NY 13165-1007

Tax Assessment & Valuation

The 2026 property tax bill for 58 N Seneca St was $3,106 with a homeowner's exemption, up 4.3% from the year before.

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
2026	$3,106.00 (+4.26%) Homeowner's exemption
2025	$2,979.00	$61,700 Land $14,600 Building $47,100	$101,100 Land $23,923 Building $77,177
2023		$61,700 Land $14,600 Building $47,100	$86,901 Land $20,563 Building $66,338
2019	$1,556.00

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

Flood

FEMA has no flood map on file for 58 N Seneca St; there have been 1 flood claim nearby since 1979.

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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jul 1979 · rainfall accumulation

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 58 N Seneca St 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	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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