118 Central Ave, Schenectady, NY 12304 Property Records

Schenectady County and Niskayuna Town property record for 118 Central Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,032 sqft · built 1965
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Dec 2017)
Tax Bill	$5,409 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 60.19-2-81`

Property Details

APN / Parcel Number

Primary APN	`422400 60.19-2-81`
Alternative APN	`240006001900020810000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	816 sqft
Upper Floors Area	216 sqft
Game Room	Game Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	225 ft deep x 68.5 ft wide
Garage Type	Basement
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	118 CENTRAL AVE
City	SCHENECTADY
State	NY
Zip	12304-2440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	2
Legal Lot Number	81.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	3
Census Block	3002
Census Tract	31902

Owner

Source: Schenectady County and Niskayuna Town records · APN 422400 60.19-2-81

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	118 CENTRAL AVE, SCHENECTADY, NY 12304-2440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 04, 2017 · Amount on Record
Deed Sale	Dec 04, 2017 · Amount on Record
Prior Sale	Jul 17, 2003 · Amount on Record
Deed Document Number	201754596
Deed Book / Page	1976 / 628
Record Updated	Jun 08, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 04, 2017
Property Address	118 CENTRAL AVE, SCHENECTADY, NY 12304-2440
Document Number	0000054596
Book / Page	1976 / 628
Instrument Date	Dec 01, 2017
Instrument	201754596
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$704.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	118 CENTRAL AVE, 118, SCHENECTADY, NY 12304-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 VIRGINIA AVE, ALBANY, NY 12205-4553

Mortgage

Document Number	0000054598
Date	Dec 04, 2017
Instrument	201754598

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Schenectady County and Niskayuna Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Niskayuna Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

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	$5,409.00	$151,000 (-) Land $40,600 Building $110,400	$223,700 (+17.06%) Land $60,147 Building $163,553
2023		$151,000 Land $40,600 Building $110,400	$191,100 Land $51,382 Building $139,718

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	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 238 locations within half a mile of this property.

Drinking Water

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	NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.