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1012 Davis Ter, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 1012 Davis Ter, Schenectady, NY 12303

Property Summary

Property TypeDuplex
Details3 bd · 2 ba · 2,280 sqft · built 1910
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Last Sale$1,000 (Nov 2016)
Tax Bill$7,178 (2025)
Deeds & MortgagesMar 2021 Construction Loan
Apr 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 49.61-2-52.1

Property Details

APN / Parcel Number

Primary APN421500 49.61-2-52.1

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,280 sqft Total Area
1st Floor Area2,280 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleRanch
Exterior MaterialComposition/Composite
Lot Area6,534 sqft (0.15 acres)
Lot Dimensions130 ft deep x 70 ft wide
PorchSlab
Porch Area320 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1012 DAVIS TER
CitySCHENECTADY
StateNY
Zip12303-2018
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning Code03 - MULTI
Legal Description281 P/O 1 WOOD
Legal SubdivisionLOTS #3 BELONGING TO A G DAVIS
Legal Block2
Legal Lot Number52.001
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3009
Census Tract21400

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.61-2-52.1

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1012 DAVIS TER, SCHENECTADY, NY 12303-2018
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2021Deed of Trust, Mortgage · Construction Mortgage
SUNMARK FCU
Apr 15, 2022Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 04, 2016 · Amount on Record
Deed SaleNov 04, 2016 · Amount on Record
Prior SaleFeb 27, 2007 · Amount on Record
Deed Document Number201651421
Deed Book / Page1949 / 341
Last Transfer DateSep 25, 2020
Transfer Doc0000030384
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address1012 DAVIS TER, SCHENECTADY, NY 12303-2018
Transaction TypeMortgage
Record UpdatedApr 14, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address8 PLUM ST, RENSSELAER, NY 12144-2422

Mortgage

Document Number0000012505
DateMar 24, 2021
Book Page5082/675
Instrument202112505
Lender
NameSUNMARK FCU
TypeCredit Union
AddressLATHAM, NY 12110
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term126 Months
DueSep 15, 2031

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateApr 15, 2022
Property Address1012 DAVIS TER, SCHENECTADY, NY 12303-2018
Document Number0000019577
Book / Page2082 / 819
Instrument DateApr 08, 2022
Instrument202219577
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanyBROADHOLLOW ABSTRACT, BROADWAY ABSTRACT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$760.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8 PLUM ST, RENSSELAER, NY 12144-2422

Transferred To (Grantee/Buyer)

NameVerified Name
Address160 MYRTLE AVE, ALBANY, NY 12202-1375

Mortgage

Document Number0000019578
DateApr 15, 2022
Instrument202219578
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$7,178.00 (+81.81%)$128,700 (-) Land $11,300 Building $117,400$213,115 (+30.82%) Land $18,712 Building $194,403
2023$128,700 (+57.14%) Land $11,300 Building $117,400$162,911 (+63.11%) Land $14,304 Building $148,607
2022$81,900 Land $11,300 Building $70,600$99,878 Land $13,780 Building $86,098
2021$3,948.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 729 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4600070, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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