Schenectady County and Schenectady City property record for 1168 Tracy Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,120 sqft · built 1989 |
| Lot Size | 0.183 acres (8,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,309 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Aug 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.21-2-11.1 |
| Primary APN | 421500 40.21-2-11.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,120 sqft Living Area |
| 1st Floor Area | 1,148 sqft |
| Upper Floors Area | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,000 sqft (0.183 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Pool Area | 254 sqft |
| Patio Area | 44 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1168 TRACY AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 334 & P/O 332 1 1/2 S |
| Legal Block | 2 |
| Legal Lot Number | 11.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20102 |
Source: Schenectady County and Schenectady City records · APN 421500 40.21-2-11.1
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 | 1168 TRACY AVE, SCHENECTADY, NY 12309-3621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2020 | Deed of Trust, Mortgage TRUSTCO BANK |
| Aug 19, 2020 | Loan Modification, Mortgage · Conventional Mortgage TRUSTCO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Feb 12, 2013 |
| Transfer Doc | 0000006735 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1168 TRACY AVE, SCHENECTADY, NY 12309-3621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1168 TRACY AVE, SCHENECTADY, NY 12309-3621 |
| Document Number | 0000029684 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5024/732 |
| Instrument | 202029684 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1168 TRACY AVE, SCHENECTADY, NY 12309-3621 |
| Document Number | 0000029686 |
| Instrument Date | Aug 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1168 TRACY AVE SCHENECTADY NY 123093621, SCHENECTADY, NY 12309-3621 |
| Document Number | 0000029686 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 005024/000738 |
| Instrument | 29686 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $9,309.00 (+6.44%) | $192,600 (-) Land $31,800 Building $160,800 | $318,927 (+30.82%) Land $52,658 Building $266,269 |
| 2023 | $192,600 (-) Land $31,800 Building $160,800 | $243,797 (+3.8%) Land $40,253 Building $203,544 | |
| 2022 | $192,600 Land $31,800 Building $160,800 | $234,878 Land $38,780 Building $196,098 | |
| 2021 | $8,746.00 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2008–2026) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 287 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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