Seneca County and Waterloo Town property record for 72 Virginia St, Waterloo, NY 13165
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2.5 ba · 2,133 sqft · built 1925 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $113,000 (Jun 2017) |
| Tax Bill | $6,192 (2026) |
| Deeds & Mortgages | Jun 2020 Refinance Jun 2017 Mortgage |
| APN | 453801 06-1-34 |
| Primary APN | 453801 06-1-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,133 sqft Total Area |
| 1st Floor Area | 1,125 sqft |
| 2nd Floor Area | 868 sqft |
| Upper Floors Area | 140 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 334 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 72 VIRGINIA ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1106 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 950500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 72 VIRGINIA ST, WATERLOO, NY 13165-1106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK |
| Jun 6, 2017 | Deed of Trust, Mortgage GENERATIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 6, 2017 · Amount on Record |
| Deed Sale | Jun 6, 2017 · Amount on Record |
| Prior Sale | Jul 1, 1999 · Amount on Record |
| Deed Book / Page | 951 / 251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 72 VIRGINIA ST, WATERLOO, NY 13165-1106 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001750/214 |
|---|---|
| Date | Jun 18, 2020 |
| Book Page | 1750/214 |
| Instrument | 49013 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 72 VIRGINIA ST, WATERLOO, NY 13165-1106 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001630/0000000098 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 0000001630/0000000098 |
| Instrument | 201700035841 |
| Name | GENERATIONS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 355 Months |
| Due | Jan 1, 2047 |
Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Waterloo Town |
| Municipality | Waterloo Village |
| Unified School District | Waterloo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,192.00 (+4.24%) | ||
| 2025 | $5,940.00 (+91.43%) | $123,000 (-) Land $12,400 Building $110,600 | $201,600 (+16.37%) Land $20,324 Building $181,276 |
| 2023 | $123,000 Land $12,400 Building $110,600 | $173,239 Land $17,465 Building $155,774 | |
| 2019 | $3,103.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WATERLOO VILLAGE serves 7,000 people · EPA ID NY4901199 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 10 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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