Albany County and Westerlo Town property record for 991 Co Rte 401, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 922 sqft · built 1930 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,000 (Oct 2022) |
| Tax Bill | $3,397 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 139.9-1-29 |
| Primary APN | 013800 139.9-1-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 922 sqft Living Area |
| 1st Floor Area | 652 sqft |
| Upper Floors Area | 270 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 9,500 sqft (0.218 acres) |
| Lot Dimensions | 190 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,290 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13900900010290000000 |
|---|---|
| Street Address | 991 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 | 29.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1089 |
| Census Tract | 14803 |
Source: Albany County and Westerlo Town records, 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 | 991 COUNTY ROUTE 401, WESTERLO, NY 12193-2712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Jan 10, 2012 · Amount on Record |
| Deed Document Number | 202225452 |
| Prior Transfer Date | Jul 31, 2016 |
| Prior Transfer Doc | 0000019795 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 991 COUNTY ROUTE 401, WESTERLO, NY 12193-2712 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007457 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | R2018-17457 |
| Name | COMMUNITY RESOURCE FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Jul 28, 2028 |
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 | Berne-Knox-Westerlo Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,397.00 (+66.36%) | ||
| 2025 | $2,042.00 (+42.7%) | $1,000 (-) Land $200 Building $800 | $172,414 (+10.31%) Land $34,483 Building $137,931 |
| 2023 | $1,000 (-) Land $200 Building $800 | $156,300 (+17.23%) Land $31,260 Building $125,040 | |
| 2022 | $1,000 Land $200 Building $800 | $133,333 Land $26,667 Building $106,666 | |
| 2021 | $1,431.00 |
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.
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 |
| Nearby Flood Claims | 3 (2005–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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: 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mid-Hudson Cablevision Fiber · Cable | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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