631 4th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 631 4th Ave, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,230 sqft · built 1926
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Tax Bill	$4,643 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011800 44.42-4-26`

Property Details

APN / Parcel Number

Primary APN	`011800 44.42-4-26`
Alternative APNs	`180004404200040260000000` `04404200040260000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,230 sqft Living Area
1st Floor Area	700 sqft
2nd Floor Area	530 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04404200040260000000
Street Address	631 4TH AVE
City	WATERVLIET
State	NY
Zip	12189-3733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	4
Legal Lot Number	26.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	2
Census Block	2005
Census Tract	13400

Owner

631 4th Ave is owned and occupied by an individual who acquired it in February 2004.

Source: Albany County and Watervliet City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	631 4TH AVE, WATERVLIET, NY 12189-3733
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
Oct 16, 2019	Deed of Trust, Mortgage · VA Mortgage CONTOUR MORTGAGE CORP
Mar 22, 2019	Grant Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 27, 2004
Transfer Doc	0027630439
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	631 4TH AVE, WATERVLIET, NY 12189-3733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021793
Date	Oct 16, 2019
Instrument	R2019-21793

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Mar 22, 2019
Property Address	631 4TH AVE, WATERVLIET, NY 12189-3733
Document Number	0000005585
Instrument Date	Nov 9, 2018
Instrument	5585
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	PRIORITY 1 ABSTRACT, PRIORITY 1 ABS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 1ST AVE #2 WATERVLIET NY 121893966, 2, WATERVLIET, NY 12189-3966

Mortgage

Document Number	5586
Date	Mar 22, 2019
Instrument	5586

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 631 4th Ave was $4,643 with a veteran's exemption, up 2.7% from the year before.

Source: Albany County and Watervliet City assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
Municipality	Watervliet City
Unified School District	Watervliet City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,643.00 (+2.68%) Veteran's exemption
2025	$4,522.00 Veteran's exemption	$140,500 Land $28,100 Building $112,400	$238,864 Land $47,773 Building $191,091
2023		$140,500 Land $28,100 Building $112,400	$202,158 Land $40,432 Building $161,726

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

Flood

FEMA maps place 631 4th Ave in Zone X, an area of minimal flood risk.

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	4 in force

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

The area around 631 4th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 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
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: T-Mobile.

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