Schenectady County and Niskayuna Town property record for 105 Central Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,987 sqft · built 1950 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $214,000 (Jul 2017) |
| Tax Bill | $5,864 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.19-2-11 |
| Primary APN | 422400 60.19-2-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,987 sqft Living Area |
| 1st Floor Area | 1,171 sqft |
| Upper Floors Area | 816 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 87 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 105 CENTRAL AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | FAGANS LOCUST PARK |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 31902 |
Source: Schenectady County and Niskayuna 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Oct 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Jul 7, 2017 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2017 · Amount on Record |
| Deed Sale | Jul 7, 2017 · Amount on Record |
| Deed Document Number | 201730268 |
| Deed Book / Page | 1966 / 426 |
| Prior Transfer Date | Jul 27, 2010 |
| Prior Transfer Doc | 0000034691 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Document Number | 0000027712 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 5229/437 |
| Instrument | 202227712 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Document Number | 0000049427 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 5152/954 |
| Instrument | 202149427 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 7, 2017 |
| Property Address | 105 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Document Number | 0000030268 |
| Book / Page | 1966 / 426 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 201730268 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | AMERICAN LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $856.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 CENTRAL AVE, 105, SCHENECTADY, NY 12304-2439 |
| Name | Verified Name |
|---|---|
| Address | 97 NEW SHAKER RD, ALBANY, NY 12205-3617 |
| Document Number | 0000030269 |
|---|---|
| Date | Jul 7, 2017 |
| Instrument | 201730269 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2047 |
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,864.00 (+2.66%) | ||
| 2025 | $5,712.00 | $160,000 (-) Land $33,100 Building $126,900 | $237,000 (+17.04%) Land $49,029 Building $187,971 |
| 2023 | $160,000 Land $33,100 Building $126,900 | $202,500 Land $41,892 Building $160,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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