Albany County and Westerlo Town property record for 985 Co Rte 401, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,812 sqft · built 1920 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Oct 2021) |
| Tax Bill | $3,268 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 139.9-1-31 |
| Primary APN | 013800 139.9-1-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Upper Floors Area | 708 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Depth | 192 ft Depth |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13900900010310000000 |
|---|---|
| Street Address | 985 COUNTY ROUTE 401 |
| City | WESTERLO |
| State | NY |
| Zip | 12193-2712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Block | 1 |
| Legal Lot Number | 31.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 14803 |
Source: Albany County and Westerlo Town records · APN 013800 139.9-1-31
Assessment roll updated March 17, 2026 · Last verified August 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 | 985 COUNTY ROUTE 401, WESTERLO, NY 12193-2712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 06, 2021 · Amount on Record |
| Deed Sale | Oct 06, 2021 · Amount on Record |
| Prior Sale | Sep 23, 2009 · Amount on Record |
| Deed Document Number | 202130361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 985 COUNTY ROUTE 401, WESTERLO, NY 12193-2712 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 16 EAGLE ST, COXSACKIE, NY 12051 |
| Document Number | 0000000362 |
|---|---|
| Date | Oct 06, 2021 |
| Instrument | R2021-30362 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
Source: Albany County and Westerlo Town records · Assessment roll updated March 17, 2026 · Last verified August 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 | $3,268.00 (+25.5%) | $1,600 (-) Land $250 Building $1,350 | $275,862 (+10.34%) Land $43,103 Building $232,759 |
| 2023 | $1,600 (-) Land $250 Building $1,350 | $250,000 (+17.19%) Land $39,062 Building $210,938 | |
| 2022 | $1,600 Land $250 Building $1,350 | $213,333 Land $33,333 Building $180,000 | |
| 2021 | $2,604.00 |
Source: FEMA National Flood Hazard Layer as of March 6, 2019 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Nearby Flood Claims | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber · Cable | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 81 locations within half a mile of this property.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures