Schenectady County and Rotterdam Town property record for 1126 Palma Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,577 sqft · built 1940 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Dec 2020) |
| Tax Bill | $8,161 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2018 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.7-5-19 |
| Primary APN | 422800 58.7-5-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,577 sqft Living Area |
| 1st Floor Area | 1,578 sqft |
| 2nd Floor Area | 999 sqft |
| Upper Floors Area | 189 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 227 sqft |
| Porch | Slab |
| Porch Area | 640 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1126 PALMA AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-2826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G PALMA 1-123 6.-451-20 |
| Legal Block | 5 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 33004 |
1126 Palma Ave is owned and occupied by two individuals who bought it in December 2020.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| 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 |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Oct 29, 2018 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Oct 7, 2019 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Dec 18, 2020 | Warranty Deed, Transfer · Conventional with PMI TRUSTCO BK |
| Jun 19, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2020 · Amount on File |
| Deed Sale | Dec 18, 2020 · Amount on File |
| Prior Sale | Aug 16, 2016 · Amount on File |
| Deed Document Number | 202040150 |
| Deed Book / Page | 2048 / 199 |
| Prior Transfer Date | Jun 10, 2019 |
| Prior Transfer Doc | 0000027770 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 10, 2026 |
| Property Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Document Number | 0000015690 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202615690 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Document Number | 0000015690, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 202615690 |
| Name | TRUSTCO BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000047652 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 4874/300 |
| Instrument | 201847652 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 25, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000044906 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 4943/832 |
| Instrument | 201944906 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 25, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 18, 2020 |
| Property Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Document Number | 0000040150 |
| Book / Page | 002048 / 000199 |
| Instrument Date | Nov 19, 2020 |
| Instrument | 40150 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $960.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 QUARRY DR ALBANY NY 122051319, ALBANY, NY 12205-1319 |
| Document Number | 40151 |
|---|---|
| Date | Dec 18, 2020 |
| Book Page | 005051/000545 |
| Instrument | 40151 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 17, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 19, 2019 |
| Property Address | 1126 PALMA AVE, SCHENECTADY, NY 12306-2826 |
| Document Number | 0000027770 |
| Book / Page | 002013 / 000252 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 27770 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1126 PALMA AVE ROTTERDAM NY 123062826, ROTTERDAM, NY 12306-2826 |
The 2026 property tax bill for 1126 Palma Ave was $8,161, up 1.9% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,161.00 (+1.92%) | ||
| 2025 | $8,007.00 | $218,500 Land $6,400 Building $212,100 | $336,200 Land $9,848 Building $326,352 |
| 2023 | $218,500 Land $6,400 Building $212,100 | $287,500 Land $8,421 Building $279,079 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1126 Palma Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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 1126 Palma 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 94% of the US · lower than 93% 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 | ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) 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 701 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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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