95 Bender Ln, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 95 Bender Ln, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,898 sqft · built 1995
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Apr 1995)
Tax Bill	$14,014 (2026)
Deeds & Mortgages	Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`012200 86.18-5-3`

Property Details

APN / Parcel Number

Primary APN	`012200 86.18-5-3`
Alternative APNs	`220008601800050030000000` `08601800050030000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,898 sqft Living Area
1st Floor Area	1,504 sqft
2nd Floor Area	1,152 sqft
Upper Floors Area	242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	189 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	273 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	08601800050030000000
Street Address	95 BENDER LN
City	DELMAR
State	NY
Zip	12054-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	THE MEADOWS SEC 1 LOT 95 DELMAR
Legal Subdivision	DELMAR
Legal Block	5
Legal Lot Number	3.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2011
Census Tract	14201

Owner

95 Bender Ln is owned and occupied by two individuals who bought it in April 1995.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95 BENDER LN, DELMAR, NY 12054-4331
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 1995 · Amount on File
Deed Sale	Apr 21, 1995 · Amount on File
Deed Book / Page	2532 / 355
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	95 BENDER LN, DELMAR, NY 12054-4331
Document Number	0000027516
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 21, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 BENDER LN DELMAR NY 120544331, DELMAR, NY 12054-4331

Mortgage

Document Number	0000027516
Date	Dec 12, 2018
Instrument	27516

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 11, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 95 Bender Ln was $14,014.

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,014.00
2025		$420,200 Land $84,000 Building $336,200	$656,563 Land $131,250 Building $525,313
2023		$420,200 Land $84,000 Building $336,200	$560,267 Land $112,000 Building $448,267

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 95 Bender Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2007 · Severe Storms And Inland And Coastal Flooding

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.

Wildfire

Wildfire risk around 95 Bender Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 93% 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	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Hudson Valley Wireless Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20