643 4th Ave, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 643 4th Ave, Watervliet, NY 12189

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,632 sqft · built 1880
Lot Size	0.091 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,000 (Feb 2023)
Tax Bill	$4,975 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011800 44.42-4-24`

Property Details

APN / Parcel Number

Primary APN	`011800 44.42-4-24`
Alternative APNs	`180004404200040240000000` `04404200040240000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,632 sqft Total Area
1st Floor Area	1,316 sqft
2nd Floor Area	1,316 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1970
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	348 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04404200040240000000
Street Address	643 4TH AVE
City	WATERVLIET
State	NY
Zip	12189-3733
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	4
Legal Lot Number	24.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	2
Census Block	2005
Census Tract	13400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	643 4TH AVE, WATERVLIET, NY 12189-3733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Feb 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 27, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2023 · Amount on Record
Deed Sale	Feb 9, 2023 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	20232993
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	643 4TH AVE, WATERVLIET, NY 12189-3733
Transaction Type	Mortgage
Record Updated	Apr 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 LAKESHORE DR 2A, 2A, WATERVLIET, NY 12189-2948

Mortgage

Document Number	0000000994
Date	Feb 9, 2023
Instrument	R2023-2994

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	643 4TH AVE, WATERVLIET, NY 12189-3733
Document Number	0000002775
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	643 4TH AVE WATERVLIET NY 121893733, WATERVLIET, NY 12189-3733

Mortgage

Document Number	0000002775
Date	Feb 7, 2019
Instrument	2775

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 6, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jan 27, 2017
Property Address	643 4TH AVE, WATERVLIET, NY 12189-3733
Document Number	0000002429
Instrument Date	Jan 13, 2017
Instrument	2429
Transaction Type	Transfer
Record Updated	Mar 3, 2017
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$538.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 MCDONALD CIR #2 MENANDS NY 122042314, 2, MENANDS, NY 12204-2314

Mortgage

Document Number	2430
Date	Jan 27, 2017
Instrument	2430

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

Tax Assessment & Valuation

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	$4,975.00
2025		$130,200 (-) Land $28,100 Building $102,100	$221,353 (+18.16%) Land $47,773 Building $173,580
2023		$130,200 Land $28,100 Building $102,100	$187,338 Land $40,432 Building $146,906

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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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