97 Stark St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 97 Stark St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,392 sqft · built 1880
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$239,900 (Feb 2026)
Tax Bill	$2,029 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
APN	`453889 18-1-37`

Property Details

APN / Parcel Number

Primary APN	`453889 18-1-37`
Alternative APN	`388901800000010370000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,392 sqft Living Area
1st Floor Area	816 sqft
2nd Floor Area	336 sqft
Upper Floors Area	240 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Porch	Porch
Porch Area	200 sqft
Canopy	324 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	97 STARK ST
City	WATERLOO
State	NY
Zip	13165-9584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	37.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3017
Census Tract	950500

Owner

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	Individual Name on Record
Mailing Address	4747 SALINA ST, PULASKI, NY 13142-4804
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Deed Book / Page	1137 / 126
Prior Transfer Date	May 5, 2023
Prior Transfer Doc	001077/193
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Feb 24, 2026
Property Address	97 STARK ST, WATERLOO, NY 13165-9584
Document Number	001137/126
Book / Page	1137 / 126
Instrument Date	Jan 20, 2026
Instrument	73403
Transaction Type	Transfer
Record Updated	Mar 18, 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
Address	4747 SALINA ST, PULASKI, NY 13142-4804

Mortgage

Document Number	0000198431
Date	Feb 24, 2026
Instrument	1984/31

Lender

Name	EVERETT FINANCIAL INC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,029.00 (+6.12%)
2025	$1,912.00 (+2.63%)	$64,500 (-) Land $14,700 Building $49,800	$105,700 (+11.38%) Land $24,090 Building $81,610
2024	$1,863.00 (+225.7%)	$64,500 (-) Land $14,700 Building $49,800	$94,900 (+4.46%) Land $21,628 Building $73,272
2023		$64,500 Land $14,700 Building $49,800	$90,845 Land $20,704 Building $70,141
2019	$572.00

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 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
CBN Fixed Wireless · not low latency	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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