Albany County and Westerlo Town property record for 97 Flood Rd, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,344 sqft · built 1989 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jul 2006) |
| Tax Bill | $5,553 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 174.-1-42.10 |
| Primary APN | 013800 174.-1-42.10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Mixed |
| Garage Area | 1,296 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 764 sqft |
| Pole Barn | Pole Barn |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 17400000010420100000 |
|---|---|
| Street Address | 97 FLOOD RD |
| City | WESTERLO |
| State | NY |
| Zip | 12193 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RDA |
| Legal Block | 1 |
| Legal Lot Number | 42.010 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 14803 |
97 Flood Rd is owned and occupied by an individual who bought it in July 2006.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 FIELD RD, GREENVILLE, NY 12083-1705 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2006 · Amount on File |
| Deed Sale | Jul 21, 2006 · Amount on File |
| Prior Sale | Jul 21, 2006 · Amount on File |
| Deed Document Number | 20069759907 |
| Deed Book / Page | 2851 / 590 |
| Prior Transfer Date | Jul 14, 2006 |
| Prior Transfer Doc | 0028510590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 97 FLOOD RD, WESTERLO, NY 12193 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002603 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | R2021-12603 |
| Name | NBT BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 97 Flood Rd was $5,553 with a homeowner's exemption, down 7.3% from the year before.
Source: Albany County and Westerlo Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Greenville Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,553.00 (-7.28%) Homeowner's exemption | ||
| 2025 | $5,989.00 Homeowner's exemption | $1,800 Land $200 Building $1,600 | $310,345 Land $34,483 Building $275,862 |
| 2023 | $1,800 Land $200 Building $1,600 | $281,300 Land $31,256 Building $250,044 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 97 Flood Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 97 Flood Rd is low, with a 0.02% annual chance of wildfire.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
May also be available: Mid-Hudson Cablevision.
5G (outdoors only) and 4G LTE
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