634 4th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 634 4th Ave, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,088 sqft · built 1987
Lot Size	0.055 acres (2,400 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jul 2023)
Tax Bill	$3,500 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011800 44.42-4-41.1`

Property Details

APN / Parcel Number

Primary APN	`011800 44.42-4-41.1`
Alternative APNs	`180004404200040420100000` `04404200040410010000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	2,400 sqft (0.055 acres)
Lot Dimensions	60 ft deep x 40 ft wide
Porch	Slab
Porch Area	134 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04404200040410010000
Street Address	634 4TH AVE
City	WATERVLIET
State	NY
Zip	12189-3734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	THIRD AVENUE
Legal Block	4
Legal Lot Number	41.001
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	2
Census Block	2006
Census Tract	13400

Owner

634 4th Ave is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	634 4TH AVE, WATERVLIET, NY 12189-3734
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
Jul 19, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SUNMARK FCU
Jul 19, 2023	Correction Deed · Conventional Mortgage SUNMARK FCU
Oct 4, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 4, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Mar 24, 2023 · Amount on File
Deed Document Number	202312774
Prior Transfer Date	Apr 20, 2023
Prior Transfer Doc	0000002771
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	634 4TH AVE, WATERVLIET, NY 12189-3734
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 4TH AVE, WATERVLIET, NY 12189-3734

Mortgage

Document Number	0000002776
Date	Jul 19, 2023
Instrument	R2023-12776

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

July 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 19, 2023
Property Address	634 4TH AVE, WATERVLIET, NY 12189-3734
Document Number	0000002771
Map Reference	MB 23 MAP 403
Instrument Date	Apr 20, 2023
Instrument	R2023-12771
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	634 4TH AVE, WATERVLIET, NY 12189-3734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 3RD AVE, WATERVLIET, NY 12189-3732

Mortgage

Document Number	0000002775
Date	Jul 19, 2023
Instrument	R2023-12775

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2053

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 4, 2018
Property Address	634 4TH AVE, WATERVLIET, NY 12189-3734
Document Number	0020182284
Book / Page	002018 / 022284
Instrument Date	Oct 4, 2018
Transaction Type	Transfer
Record Updated	Nov 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 4TH AVE WATERVLIET NY 121893734, WATERVLIET, NY 12189-3734

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 4, 2018
Property Address	634 4TH AVE, WATERVLIET, NY 12189-3734
Document Number	0000022284
Instrument Date	Aug 17, 2018
Instrument	22284
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Amount	Amount on Record
Tax	$192.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	634 4TH AVE WATERVLIET NY 121893734, WATERVLIET, NY 12189-3734

Tax Assessment & Valuation

The 2026 property tax bill for 634 4th Ave was $3,500, up 2.8% 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	$3,500.00 (+2.79%)
2025	$3,405.00	$91,600 (-) Land $21,600 Building $70,000	$155,729 (+11%) Land $36,722 Building $119,007
2024		$91,600 (-) Land $21,600 Building $70,000	$140,297 (+6.45%) Land $33,083 Building $107,214
2023		$91,600 Land $21,600 Building $70,000	$131,799 Land $31,079 Building $100,720

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

Flood

FEMA maps place 634 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 634 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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