Albany County and Watervliet City property record for 628 4th St, Watervliet, NY 12189
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,700 sqft · built 1900 |
| Lot Size | 0.068 acres (3,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $112,000 (Feb 2021) |
| Tax Bill | $8,024 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 011800 44.49-3-3 |
| Primary APN | 011800 44.49-3-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,700 sqft Living Area |
| 1st Floor Area | 900 sqft |
| 2nd Floor Area | 800 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,000 sqft (0.068 acres) |
| Lot Dimensions | 100 ft deep x 30 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Patio Area | 110 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04404900030030000000 |
|---|---|
| Street Address | 628 4TH ST |
| City | WATERVLIET |
| State | NY |
| Zip | 12189-3832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 3 |
| Legal Lot Number | 3.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 13400 |
Source: Albany County and Watervliet City 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 | 628 4TH ST, WATERVLIET, NY 12189-3832 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage PREMIUM MORTGAGE CORP |
| Nov 8, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2021 · Amount on Record |
| Deed Sale | Feb 9, 2021 · Amount on Record |
| Prior Sale | Nov 8, 2019 · Amount on Record |
| Deed Document Number | 20214193 |
| Prior Transfer Date | Aug 22, 2007 |
| Prior Transfer Doc | 2899000326 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 628 4TH ST, WATERVLIET, NY 12189-3832 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007446 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | R2020-27446 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 8, 2019 |
| Property Address | 628 4TH ST, WATERVLIET, NY 12189-3832 |
| Document Number | 0000023801 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 23801 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $153.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1856 12TH AVE WATERVLIET NY 121892411, WATERVLIET, NY 12189-2411 |
Source: Albany County and Watervliet City assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| Municipality | Watervliet City |
| Unified School District | Watervliet City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,024.00 (+2.79%) | ||
| 2025 | $7,806.00 | $210,000 (-) Land $25,100 Building $184,900 | $357,021 (+18.16%) Land $42,673 Building $314,348 |
| 2023 | $210,000 Land $25,100 Building $184,900 | $302,158 Land $36,115 Building $266,043 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 89% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 268 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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