934 Caroline Rd, Waterloo, NY 13165 Property Records

Seneca County and Junius Town property record for 934 Caroline Rd, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,860 sqft · built 2004
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Oct 2023)
Tax Bill	$6,920 (2026)
Deeds & Mortgages	Sep 2019 Refinance Oct 2019 Refinance + 6 more
APN	`452400 09-1-27.2`

Property Details

APN / Parcel Number

Primary APN	`452400 09-1-27.2`
Alternative APN	`240000900000010270020000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,860 sqft Living Area
1st Floor Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	934 CAROLINE RD
City	WATERLOO
State	NY
Zip	13165-8536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	27.002
Jurisdiction	SENECA NY
Township / Civil Division	JUNIUS
Census Block Group	2
Census Block	2074
Census Tract	950100

Owner

Source: Seneca County and Junius 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	934 CAROLINE RD, WATERLOO, NY 13165-8536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LYONS SAVINGS BANK
Oct 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LYONS SAVINGS BANK
Sep 28, 2010	Deed of Trust, Mortgage LYONS NATIONAL BANK
Jun 27, 2016	Deed of Trust, Mortgage LYONS NATIONAL BANK
May 19, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance CNB MORTGAGE CO
Aug 26, 2010	Deed of Trust, Mortgage LYONS NATIONAL BANK
Oct 31, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage EVENS BANK
Sep 29, 2014	Intrafamily Transfer, Transfer LYONS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Book / Page	1087 / 159
Prior Transfer Date	Sep 26, 2014
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001717/88
Date	Sep 20, 2019
Book Page	1717/88
Instrument	46044

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001721/25
Date	Oct 22, 2019
Book Page	1721/25
Instrument	46503

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Nov 1, 2038

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001302/0000000317
Date	Sep 28, 2010
Book Page	0000001302/0000000317
Instrument	0000003297

Lender

Name	LYONS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001586/0000000241
Date	Jun 27, 2016
Book Page	0000001586/0000000241
Instrument	000000031345

Lender

Name	LYONS NATIONAL BANK

Agreement

Amount	Amount Recorded
Term	175 Months
Due	Jan 1, 2031

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001954/288
Date	May 19, 2025
Book Page	1954/288
Instrument	70298

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2035

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001298/0000000054
Date	Aug 26, 2010
Book Page	0000001298/0000000054
Instrument	0000002870

Lender

Name	LYONS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	197 Months
Due	Jan 1, 2027

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Oct 31, 2023
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Document Number	001087/159
Book / Page	1087 / 159
Instrument Date	Oct 13, 2023
Instrument	64510
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	375 SUTTON RD, GENEVA, NY 14456

Mortgage

Document Number	0001906223
Date	Oct 31, 2023
Instrument	1906/223

Lender

Name	EVENS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2014: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SENECA NY
Recording Date	Sep 29, 2014
Property Address	934 CAROLINE RD, WATERLOO, NY 13165-8536
Document Number	0000000897/0000000081
Book / Page	0000000897 / 0000000081
Instrument Date	Sep 26, 2014
Transaction Type	Transfer
Record Updated	Nov 22, 2024
Title Company	DAVID MASHEWSKE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 CAROLINE RD, WATERLOO, NY 13165-8536

Mortgage

Document Number	0000001513/0000000260
Date	Sep 29, 2014
Book Page	0000001513/0000000260

Lender

Name	LYONS NATIONAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	160 Months
Due	Jan 1, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,920.00 (+9.67%)
2025	$6,310.00 (+180.82%)	$224,000 (-) Land $21,000 Building $203,000	$361,290 (+40.32%) Land $33,871 Building $327,419
2023		$224,000 Land $21,000 Building $203,000	$257,471 Land $24,138 Building $233,333
2019	$2,247.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CBN Fixed Wireless · not low latency	100 / 100
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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