673 State Rte 96, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 673 State Rte 96, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 2018
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Nov 2015)
Tax Bill	$4,473 (2026)
Deeds & Mortgages	Jan 2024 Refinance Oct 2019 Refinance
APN	`453889 15-1-43`

Property Details

APN / Parcel Number

Primary APN	`453889 15-1-43`
Alternative APN	`388901500000010430000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	48,352 sqft (1.11 acres)
Garage Type	Attached
Garage Area	1,318 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	840 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	673 STATE ROUTE 96
City	WATERLOO
State	NY
Zip	13165-9563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	MB03-435
Legal Block	1
Legal Lot Number	43.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3020
Census Tract	950500

Owner

Source: Seneca County and Waterloo Town 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	Individual Name on Record
Mailing Address	673 ROUTE 96, WATERLOO, NY 13165
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LYONS SAVINGS BANK
Oct 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2015 · Amount on Record
Deed Sale	Nov 6, 2015 · Amount on Record
Deed Book / Page	918 / 275
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	673 STATE ROUTE 96, WATERLOO, NY 13165-9563
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001912/308
Date	Jan 3, 2024
Book Page	1912/308
Instrument	65236

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2044

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	673 STATE ROUTE 96, WATERLOO, NY 13165-9563
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	001719/316
Date	Oct 10, 2019
Book Page	1719/316
Instrument	46341

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Waterloo Town
Unified School District	Waterloo Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,473.00 (+6.15%)
2025	$4,214.00 (+62.14%)	$142,300 (-) Land $18,200 Building $124,100	$233,300 (+16.4%) Land $29,839 Building $203,461
2023		$142,300 Land $18,200 Building $124,100	$200,423 Land $25,634 Building $174,789
2019	$2,599.00

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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