Schenectady County and Schenectady City property record for 1135 Earl Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 928 sqft · built 1956 |
| Lot Size | 0.33 acres (14,374 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,000 (Sep 2015) |
| Tax Bill | $6,636 (2026) |
| Deeds & Mortgages | Oct 2020 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.22-1-4.1 |
| Primary APN | 421500 50.22-1-4.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 928 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,374 sqft (0.33 acres) |
| Lot Dimensions | 108 ft deep x 138 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 36 sqft |
| Patio Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1135 EARL AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 4.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20500 |
1135 Earl Ave is owned and occupied by an individual who bought it in September 2015.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1135 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 |
|---|---|
| Oct 7, 2020 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2015 · Amount on File |
| Deed Sale | Sep 25, 2015 · Amount on File |
| Prior Sale | Sep 25, 2015 · Amount on File |
| Deed Book / Page | 1922 / 832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1135 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1135 EARL AVE, NISKAYUNA, NY 12309-5621 |
| Document Number | 0000030918 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 5027/185 |
| Instrument | 202030918 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Sep 29, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1135 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1135 EARL AVE, SCHENECTADY, NY 12309-5621 |
| Document Number | 0000064418 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 5182/318 |
| Instrument | 202164418 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 1135 Earl Ave was $6,636, up 1.9% 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 | $6,636.00 (+1.89%) | ||
| 2025 | $6,513.00 | $131,200 Land $21,100 Building $110,100 | $217,255 Land $34,940 Building $182,315 |
| 2023 | $131,200 Land $21,100 Building $110,100 | $166,076 Land $26,709 Building $139,367 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1135 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 1135 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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