Schenectady County and Schenectady City property record for 1115 Earl Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,414 sqft · built 1926 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Nov 2008) |
| Tax Bill | $3,911 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Mar 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-1-10 |
| Primary APN | 421500 50.22-1-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,414 sqft Living Area |
| 1st Floor Area | 1,014 sqft |
| Upper Floors Area | 400 sqft |
| Attic | Attic |
| Attic Area | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 234 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1115 EARL AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20500 |
1115 Earl Ave is owned and occupied by two individuals who acquired it in February 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1115 EARL AVE, SCHENECTADY, NY 12309-5621 |
| 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.
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Mar 7, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2008 · Amount on File |
| Deed Sale | Nov 6, 2008 · Amount on File |
| Prior Sale | Dec 9, 1996 · Amount on File |
| Deed Book / Page | 1792 / 773 |
| Last Transfer Date | Feb 20, 2019 |
| Transfer Doc | 0000010004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1115 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1115 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Document Number | 0000043941 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | 5248/897 |
| Instrument | 202243941 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 5, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 7, 2019 |
| Property Address | 1115 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Document Number | 0000010004 |
| Book / Page | 002006 / 000939 |
| Instrument Date | Feb 20, 2019 |
| Instrument | 10004 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1115 EARL AVE SCHENECTADY NY 123095621, SCHENECTADY, NY 12309-5621 |
The 2026 property tax bill for 1115 Earl Ave was $3,911 with a homeowner's exemption, up 4.2% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,911.00 (+4.24%) Homeowner's exemption | ||
| 2025 | $3,752.00 | $79,900 Land $12,000 Building $67,900 | $132,307 Land $19,871 Building $112,436 |
| 2023 | $79,900 (-) Land $12,000 Building $67,900 | $101,139 (+3.8%) Land $15,190 Building $85,949 | |
| 2022 | $79,900 Land $12,000 Building $67,900 | $97,439 Land $14,634 Building $82,805 | |
| 2021 | $3,389.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1115 Earl Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 1115 Earl Ave is low, with less than 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 99.1% of the US · lower than 99.2% 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 823 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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