Albany County and Westerlo Town property record for 596 Co Rte 404, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1993 |
| Lot Size | 5.6 acres (243,936 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,775 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 151.-1-18.90 |
| Primary APN | 013800 151.-1-18.90 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 243,936 sqft (5.6 acres) |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 15100000010180900000 |
|---|---|
| Street Address | 596 COUNTY ROUTE 404 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Subdivision | CHARLES F AND DOLORES WILDERMAN |
| Legal Block | 1 |
| Legal Lot Number | 18.090 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1106 |
| Census Tract | 14803 |
Source: Albany County and Westerlo Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 596 COUNTY ROUTE 404, WESTERLO, NY 12193-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BK/COXSACKIE |
| Jun 8, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 1, 2013 |
| Transfer Doc | 0030620593 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 638 COUNTY ROUTE 404, WESTERLO, NY 12193-3015 |
| Document Number | 0000012827 |
| Instrument Date | Jun 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Name | Verified Name |
|---|---|
| Address | 275 COUNTY ROUTE 403 GREENVILLE NY 120832008, GREENVILLE, NY 12083-2008 |
| Document Number | 0000012827 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 12827 |
| Name | NATIONAL BK/COXSACKIE |
|---|---|
| Type | Bank |
| Address | GREENVILLE, NY 12083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 29, 2030 |
| Rate | 4.24% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 638 COUNTY ROUTE 404, WESTERLO, NY 12193-3015 |
| Document Number | 0000013566 |
| Instrument Date | Jun 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 638 COUNTY ROUTE 404 WESTERLO NY 121933015, WESTERLO, NY 12193-3015 |
| Document Number | 0000013566 |
|---|---|
| Date | Jul 7, 2020 |
| Instrument | 13566 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 6, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,775.00 (+71.44%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,202.00 (+14.39%) Homeowner's exemption Senior Citizen's exemption | $1,600 (-) Land $250 Building $1,350 | $275,862 (+10.34%) Land $43,103 Building $232,759 |
| 2023 | $1,600 (-) Land $250 Building $1,350 | $250,000 (+17.19%) Land $39,062 Building $210,938 | |
| 2022 | $1,600 Land $250 Building $1,350 | $213,333 Land $33,333 Building $180,000 | |
| 2021 | $1,925.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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: 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Cable | 400 / 25 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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