Schenectady County and Schenectady City property record for 1138 Sumner Ave, Schenectady, NY 12309 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1930 |
| Square Footage | 2,556 sqft Total Area |
| Lot Size | 5,800 sqft (0.133 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $88,009 (2015) |
| Tax Bill | $7,785.00 (2025) |
| Primary APN | 421500 40.78-2-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Building Area | 2,556 sqft Total Area |
| 1st Floor | 1,278 sqft 1st Floor |
| 2nd Floor | 1,278 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 5,800 sqft (0.133 acres) |
| Depth X Width | 145 ft x 40 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 468 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 1138 SUMNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5636 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 3 |
| Census Block | 3000 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City records · APN 421500 40.78-2-25
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE INC |
| Nov 17, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE INC |
| Feb 23, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 28, 2018 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 13, 2015 · Amount on Record |
| Deed Sale | Oct 13, 2015 · Amount on Record |
| Prior Sale | Oct 13, 2015 · Amount on Record |
| Deed Book / Page | 1923 / 801 |
| Prior Transfer Date | May 17, 2000 |
| Prior Transfer Doc | 1581000407 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Investor | Possibly a Property Investor |
| Document Number | 0000028917 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 202528917 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1138 SUIXER AVE, SCHENECTADY, NY 12309 |
| Document Number | 0000060748 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 5271/593 |
| Instrument | 202260748 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009646 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 5203/446 |
| Instrument | 202209646 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 285 Months |
| Due | Nov 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1138 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000038409 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 4860/646 |
| Instrument | 201838409 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 21, 2028 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,785.00 (+5.8%) | $145,900 (-) Land $21,900 Building $124,000 | $241,596 (+30.82%) Land $36,264 Building $205,332 |
| 2023 | $145,900 (-) Land $21,900 Building $124,000 | $184,684 (+3.8%) Land $27,722 Building $156,962 | |
| 2022 | $145,900 Land $21,900 Building $124,000 | $177,927 Land $26,707 Building $151,220 | |
| 2021 | $7,358.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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