704 5th St, Watervliet, NY 12189 Property Records

Albany County and Watervliet City property record for 704 5th St, Watervliet, NY 12189

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,254 sqft · built 1935
Lot Size	0.091 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (Aug 2022)
Tax Bill	$5,227 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011800 44.49-1-2`

Property Details

APN / Parcel Number

Primary APN	`011800 44.49-1-2`
Alternative APNs	`180004404900010020000000` `04404900010020000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,254 sqft Living Area
1st Floor Area	682 sqft
2nd Floor Area	572 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Slab
Porch Area	376 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04404900010020000000
Street Address	704 5TH ST
City	WATERVLIET
State	NY
Zip	12189-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	QUEDER PARK
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	ALBANY NY
Township / Civil Division	WATERVLIET
Census Block Group	1
Census Block	1003
Census Tract	13400

Owner

Source: Albany County and Watervliet City 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	2 Individual Names on Record
Mailing Address	704 5TH ST, WATERVLIET, NY 12189-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Sep 15, 2017	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Sep 15, 2017 · Amount on Record
Deed Document Number	202220375
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	704 5TH ST, WATERVLIET, NY 12189-3716
Transaction Type	Mortgage
Record Updated	Sep 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 44TH RD 56, 56, ASTORIA, NY 11101

Mortgage

Document Number	0000000376
Date	Aug 31, 2022
Instrument	R2022-20376

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 15, 2017
Property Address	704 5TH ST, WATERVLIET, NY 12189-3716
Document Number	0000022158
Instrument Date	Sep 11, 2017
Instrument	22158
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 5TH ST WATERVLIET NY 121893716, WATERVLIET, NY 12189-3716

Mortgage

Document Number	22159
Date	Sep 15, 2017
Instrument	22159

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 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	$5,227.00 (+2.79%)
2025	$5,085.00	$136,800 (-) Land $28,100 Building $108,700	$232,574 (+18.16%) Land $47,773 Building $184,801
2023		$136,800 Land $28,100 Building $108,700	$196,835 Land $40,432 Building $156,403

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, effective March 6, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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