992 State Rte 96, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 992 State Rte 96, Waterloo, NY 13165

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,776 sqft · built 1890
Lot Size	1.42 acres (61,855 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Aug 2016)
Tax Bill	$2,195 (2026)
Deeds & Mortgages	Jan 2019 Refinance May 2021 Refinance
APN	`453889 18-1-08`

Property Details

APN / Parcel Number

Primary APN	`453889 18-1-08`
Alternative APN	`388901800000010800000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,776 sqft Living Area
1st Floor Area	1,072 sqft
2nd Floor Area	704 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	61,855 sqft (1.42 acres)

Exterior Amenities

Porch	Porch
Porch Area	207 sqft
Shed	1 Shed
Shed Area	1,000 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	992 STATE ROUTE 96
City	WATERLOO
State	NY
Zip	13165-9518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	SENECA NY
Township / Civil Division	WATERLOO
Census Block Group	3
Census Block	3018
Census Tract	950500

Owner

992 State Rte 96 is owned and occupied by an individual who bought it in August 2016.

Source: Seneca County and Waterloo Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	992 STATE ROUTE 96, WATERLOO, NY 13165-9518
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANT COMMUNITY CREDIT UNION
May 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANT COMMUNITY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2016 · Amount on File
Deed Sale	Aug 2, 2016 · Amount on File
Deed Book / Page	933 / 35
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	992 STATE ROUTE 96, WATERLOO, NY 13165-9518
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001694/221
Date	Jan 16, 2019
Book Page	1694/221
Instrument	43229

Lender

Name	RELIANT COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	49 Months
Due	Feb 1, 2023

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	992 STATE ROUTE 96, WATERLOO, NY 13165-9518
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001803/26
Date	May 6, 2021
Book Page	1803/26
Instrument	53412

Lender

Name	RELIANT COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	133 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 992 State Rte 96 was $2,195, up 5.4% from the year before.

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	$2,195.00 (+5.38%)
2025	$2,083.00	$63,000 Land $20,200 Building $42,800	$103,300 Land $33,122 Building $70,178
2023		$63,000 Land $20,200 Building $42,800	$88,732 Land $28,451 Building $60,281
2019	$775.00

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

Flood

FEMA has no flood map on file for 992 State Rte 96.

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

Wildfire risk around 992 State Rte 96 is low, with a 0.01% annual chance of 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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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