Albany County and Westerlo Town property record for 998 Co Rte 401, Westerlo, NY 12193
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,214 sqft · built 1920 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,703 (2026) |
| Deeds & Mortgages | Aug 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013800 139.9-3-13 |
| Primary APN | 013800 139.9-3-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,214 sqft Living Area |
| 1st Floor Area | 766 sqft |
| Upper Floors Area | 448 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Detached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 240 sqft |
| Patio Area | 117 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 13900900030130000000 |
|---|---|
| Street Address | 998 COUNTY ROUTE 401 |
| City | WESTERLO |
| State | NY |
| Zip | 12193 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Block | 3 |
| Legal Lot Number | 13.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | WESTERLO |
| Census Block Group | 1 |
| Census Block | 1090 |
| Census Tract | 14803 |
998 Co Rte 401 is owned and occupied by an individual who acquired it in August 2025.
Source: Albany County and Westerlo Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 998 COUNTY ROUTE 401, WESTERLO, NY 12193 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2025 |
| Deed Sale | Aug 13, 2025 |
| Prior Sale | Dec 29, 2023 · Amount on File |
| Deed Document Number | 202514480 |
| Prior Transfer Date | Sep 24, 2002 |
| Prior Transfer Doc | 2720000889 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 998 COUNTY ROUTE 401, WESTERLO, NY 12193 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 3558 67, FREEHOLD, NY 12431 |
| Document Number | 0000004481 |
|---|---|
| Date | Aug 13, 2025 |
| Instrument | R2025-14481 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
The 2026 property tax bill for 998 Co Rte 401 was $3,703, up 64.8% from the year before.
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 | $3,703.00 (+64.8%) | ||
| 2025 | $2,247.00 | $1,100 Land $100 Building $1,000 | $189,655 Land $17,241 Building $172,414 |
| 2023 | $1,100 (-) Land $100 Building $1,000 | $171,900 (+17.2%) Land $15,627 Building $156,273 | |
| 2022 | $1,100 Land $100 Building $1,000 | $146,667 Land $13,333 Building $133,334 | |
| 2021 | $2,149.00 |
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.
FEMA maps place 998 Co Rte 401 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 998 Co Rte 401 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 | 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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