Schenectady County and Schenectady City property record for 1149 Sumner Ave, Schenectady, NY 12309 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,868 sqft · built 1900 |
| Lot Size | 0.13 acres (5,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Apr 2026) |
| Tax Bill | $5,989 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage Jun 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.78-1-33 |
| Primary APN | 421500 40.78-1-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Upper Floors Area | 788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,680 sqft (0.13 acres) |
| Lot Dimensions | 142 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 208 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1149 SUMNER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1X WOOD AND GARAGE |
| Legal Subdivision | ALBERT VAN VOAST |
| Legal Block | 1 |
| Legal Lot Number | 33.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City records · APN 421500 40.78-1-33
Assessment roll updated April 14, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8538 123RD ST, KEW GARDENS, NY 11415-3317 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK N A |
| Oct 06, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 24, 2017 | Loan Modification, Consolidation and Extension, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on Record |
| Deed Sale | Apr 29, 2026 · Amount on Record |
| Prior Sale | Oct 06, 2021 |
| Deed Document Number | 20269847 |
| Deed Book / Page | 2171 / 364 |
| Prior Transfer Date | Sep 29, 2021 |
| Prior Transfer Doc | 0000049916 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Document Number | 0000035699 |
|---|---|
| Date | Jun 12, 2024 |
| Book Page | 5379/312 |
| Instrument | 202435699 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Document Number | 0000035700 |
|---|---|
| Date | Jun 12, 2024 |
| Book Page | 5379/329 |
| Instrument | 202435700 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 29, 2026 |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Document Number | 0000009847 |
| Book / Page | 2171 / 364 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.9847 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2026 |
| Title Company | CATIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $117,160.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8538 123RD ST, KEW GARDENS, NY 11415-3317 |
| Document Number | 0000009848, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 2026..9848 |
| Name | JPMORGAN CHASE BANK N A |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 06, 2021 |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Document Number | 0000049916 |
| Book / Page | 2068 / 753 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 202149916 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | ALL SEASONS TITLE AGENCY INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Investor | Possibly a Property Investor |
| Document Number | 0000049917 |
|---|---|
| Date | Oct 06, 2021 |
| Book Page | 5154/258 |
| Instrument | 202149917 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000011052 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 4748/049 |
| Instrument | 201711052 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 351 Months |
| Due | Jun 01, 2046 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1149 SUMNER AVE, SCHENECTADY, NY 12309-5600 |
| Document Number | 0000011053 |
| Instrument Date | Feb 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 1149 SUMNER AVE SCHENECTADY NY 123095635, SCHENECTADY, NY 12309-5635 |
| Document Number | 0000011053 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 004748/000071 |
| Instrument | 11053 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 09, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified May 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,989.00 (+4.21%) | $123,000 (-) Land $24,900 Building $98,100 | $203,676 (+30.82%) Land $41,232 Building $162,444 |
| 2023 | $123,000 (-) Land $24,900 Building $98,100 | $155,696 (+3.8%) Land $31,519 Building $124,177 | |
| 2022 | $123,000 Land $24,900 Building $98,100 | $150,000 Land $30,366 Building $119,634 | |
| 2021 | $5,747.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930205003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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