Seneca County and Waterloo Town property record for 76 Mill St, Waterloo, NY 13165
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 840 sqft · built 1952 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $3,251 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2022 Transfer |
| APN | 453801 08-1-70 |
| Primary APN | 453801 08-1-70 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 145 ft deep x 55 ft wide |
| Garage Type | Mixed |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 156 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 76 MILL ST |
|---|---|
| City | WATERLOO |
| State | NY |
| Zip | 13165-1639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 70.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | WATERLOO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 950500 |
Source: Seneca County and Waterloo Town records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 76 MILL ST, WATERLOO, NY 13165-1639 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage COMMUNITY BANK |
| Oct 25, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 14, 2022 |
| Transfer Doc | 0001067/89 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | May 29, 2026 |
| Property Address | 76 MILL ST, WATERLOO, NY 13165-1639 |
| Document Number | 0000074586 |
| Book / Page | 1995 / 107 |
| Instrument Date | May 28, 2026 |
| Instrument | 202674586 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 76 MILL ST, WATERLOO, NY 13165-1639 |
| Document Number | 0000074586, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 1995/107 |
| Instrument | 202674586 |
| Name | COMMUNITY BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Oct 25, 2022 |
| Property Address | 76 MILL ST, WATERLOO, NY 13165-1639 |
| Document Number | 0001067/89 |
| Book / Page | 1067 / 89 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 60616 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1555 GASSER RD, WATERLOO, NY 13165-9435 |
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 |
|---|---|---|---|
| 2025 | $3,251.00 (+91.57%) | $67,400 (-) Land $12,100 Building $55,300 | $110,500 (+16.4%) Land $19,838 Building $90,662 |
| 2023 | $67,400 Land $12,100 Building $55,300 | $94,930 Land $17,042 Building $77,888 | |
| 2019 | $1,697.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (1990) |
| Most Recent Claim | Mar 1990 · other causes |
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.
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.
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 286 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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