Albany County and Westerlo Town property record for 982 Co Rte 401, Westerlo, NY 12193 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,260 sqft · built 1930 |
| Lot Size | 0.459 acres (20,010 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Apr 2023) |
| Tax Bill | $2,451 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 139.9-3-6 |
| Primary APN | 013800 139.9-3-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 798 sqft |
| 2nd Floor Area | 462 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 20,010 sqft (0.459 acres) |
| Lot Dimensions | 290 ft deep x 69 ft wide |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 271 sqft |
| Patio Area | 680 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13900900030060000000 |
|---|---|
| Street Address | 982 COUNTY ROUTE 401 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1090 |
| Census Tract | 14803 |
Source: Albany County and Westerlo Town records · APN 013800 139.9-3-6
Assessment roll updated March 17, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 982 COUNTY ROUTE 401, WESTERLO, NY 12193-2711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 07, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Apr 05, 2023 | Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 05, 2023 · Amount on Record |
| Deed Sale | Apr 05, 2023 · Amount on Record |
| Prior Sale | Nov 03, 2008 · Amount on Record |
| Deed Document Number | 20236189 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 982 COUNTY ROUTE 401, WESTERLO, NY 12193-2711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 982 COUNTY ROUTE 401, WESTERLO, NY 12193-2711 |
| Document Number | 0000000695 |
|---|---|
| Date | Jan 07, 2022 |
| Instrument | R2022-00695 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 01, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Apr 05, 2023 |
| Property Address | 982 COUNTY ROUTE 401, WESTERLO, NY 12193-2711 |
| Document Number | 0000000189 |
| Instrument Date | Mar 28, 2023 |
| Instrument | R2023-6189 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 982 COUNTY ROUTE 401, WESTERLO, NY 12193-2711 |
| Name | Verified Name |
|---|---|
| Address | 122 ROUTE 385 APT 11, 11, CATSKILL, NY 12414-5045 |
| Document Number | 0000000190 |
|---|---|
| Date | Apr 05, 2023 |
| Instrument | R2023-6190 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
Source: Albany County and Westerlo Town records · Assessment roll updated March 17, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Westerlo Town |
| Unified School District | Berne-Knox-Westerlo Central School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,451.00 | $1,200 (-) Land $200 Building $1,000 | $206,897 (+10.35%) Land $34,483 Building $172,414 |
| 2023 | $1,200 (-) Land $200 Building $1,000 | $187,500 (+17.19%) Land $31,250 Building $156,250 | |
| 2022 | $1,200 Land $200 Building $1,000 | $160,000 Land $26,667 Building $133,333 |
Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010148031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011, river or lake flooding, Hurricane Irene |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 81 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mid-Hudson Cablevision | Fiber | 5,000 / 5,000 |
| Mid-Hudson Cablevision | Cable | 400 / 25 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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