677 State Rte 96, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 677 State Rte 96, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1980
Lot Size	1.12 acres (48,787 sqft)
Owner	Company Name on File
Last Sale	$51,500 (Aug 2025)
Tax Bill	$2,858 (2026)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Refinance + 1 more
APN	`453889 15-1-42`

Property Details

APN / Parcel Number

Primary APN	`453889 15-1-42`
Alternative APN	`388901500000010420000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Shed	1 Shed
Shed Area	500 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	677 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	MB58-245
Legal Block	1
Legal Lot Number	42.000
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	677 STATE ROUTE 96, WATERLOO, NY 13165-9563
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed, Transfer · Commercial Mortgage MORTGAGE LINE CT LLC
Dec 13, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 1, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2025 · Amount on File
Deed Sale	Aug 27, 2025 · Amount on File
Prior Sale	Feb 1, 2022 · Amount on File
Deed Document Number	202571438
Deed Book / Page	1127 / 19
Last Transfer Date	May 15, 2026
Transfer Doc	0001143/44
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	May 22, 2026
Property Address	677 STATE ROUTE 96, WATERLOO, NY 13165-9563
Document Number	0001143/44
Book / Page	1143 / 44
Instrument Date	May 15, 2026
Instrument	202674517
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1994000229,
Date	May 22, 2026
Book Page	1994/229

Lender

Name	MORTGAGE LINE CT LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2027

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	677 STATE ROUTE 96, WATERLOO, NY 13165-9563
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001910/157
Date	Dec 13, 2023
Book Page	1910/157
Instrument	64986

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2055

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Feb 1, 2022
Property Address	677 STATE ROUTE 96, WATERLOO, NY 13165-9563
Document Number	001049/232
Book / Page	1049 / 232
Instrument Date	Dec 29, 2021
Instrument	57154
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1600 S DOUGLASS RD # STE20, STE20, ANAHEIM, CA 92806-5948

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	$2,858.00 (+6.09%)
2025	$2,694.00 (+2.59%)	$90,500 (-) Land $18,300 Building $72,200	$148,400 (+11.5%) Land $30,008 Building $118,392
2024	$2,626.00 (+40.73%)	$90,500 (-) Land $18,300 Building $72,200	$133,100 (+4.42%) Land $26,914 Building $106,186
2023		$90,500 Land $18,300 Building $72,200	$127,465 Land $25,775 Building $101,690
2019	$1,866.00

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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