Schenectady County and Niskayuna Town property record for 106 Central Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 875 sqft · built 1930 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,250 (Aug 1999) |
| Tax Bill | $3,823 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.19-2-78 |
| Primary APN | 422400 60.19-2-78 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 875 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 165 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 256 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 106 CENTRAL AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | PAGANS LOCUST PARK |
| Legal Block | 2 |
| Legal Lot Number | 78.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 31902 |
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 9, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 1999 · Amount on Record |
| Deed Sale | Aug 24, 1999 · Amount on Record |
| Prior Sale | Jul 12, 1996 · Amount on Record |
| Deed Book / Page | 1562 / 116 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Document Number | 0000030183 |
|---|---|
| Date | Jun 8, 2022 |
| Book Page | 5232/491 |
| Instrument | 202230183 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 22, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Document Number | 0000019279 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 5219/169 |
| Instrument | 202219279 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 106 CENTRAL AVE, SCHENECTADY, NY 12304-2440 |
| Document Number | 0000033350 |
| Instrument Date | Jul 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S |
| Name | Verified Name |
|---|---|
| Address | 106 CENTRAL AVE SCHENECTADY NY 123042440, SCHENECTADY, NY 12304-2440 |
| Document Number | 0000033350 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 004926/000798 |
| Instrument | 33350 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 28, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,823.00 (+4.83%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,647.00 | $121,000 (-) Land $33,100 Building $87,900 | $179,300 (+17.04%) Land $49,048 Building $130,252 |
| 2023 | $121,000 Land $33,100 Building $87,900 | $153,200 Land $41,908 Building $111,292 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures