99 Stark St, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 99 Stark St, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,344 sqft · built 1948
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$72,750 (Jan 2014)
Tax Bill	$2,400 (2026)
Deeds & Mortgages	Oct 2025 Refinance Feb 2023 Mortgage
APN	`453889 18-1-35`

Property Details

APN / Parcel Number

Primary APN	`453889 18-1-35`
Alternative APN	`388901800000010350000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	27,007 sqft (0.62 acres)
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	429 sqft
Pole Barn	480 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	99 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	35.000
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	99 STARK ST, WATERLOO, NY 13165-9584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETAP EQTY PTNR LLC
Feb 14, 2023	Deed of Trust, Mortgage · ARM FIVE STAR BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2014 · Amount on Record
Deed Sale	Jan 7, 2014 · Amount on Record
Deed Book / Page	884 / 168
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	99 STARK ST, WATERLOO, NY 13165-9584
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001969/85
Date	Oct 2, 2025
Book Page	1969/85
Instrument	71839

Lender

Name	HOMETAP EQTY PTNR LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	99 STARK ST, WATERLOO, NY 13165-9584
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001883/23
Date	Feb 14, 2023
Book Page	1883/23
Instrument	61891

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Mar 1, 2033
Index	1-Year CMT

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	$2,400.00 (+6.1%)
2025	$2,262.00 (+53.25%)	$75,800 (-) Land $15,500 Building $60,300	$124,300 (+16.43%) Land $25,418 Building $98,882
2023		$75,800 Land $15,500 Building $60,300	$106,761 Land $21,831 Building $84,930
2019	$1,476.00

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

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.

Nearby Properties on Stark St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures