Schenectady County and Schenectady City property record for 12 Tower Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1951 |
| Lot Size | 0.326 acres (14,240 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $48,000 (Jun 2005) |
| Tax Bill | $2,825 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 59.36-1-8 |
| Primary APN | 421500 59.36-1-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,240 sqft (0.326 acres) |
| Lot Dimensions | 178 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 168 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12 TOWER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records, as of April 20, 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 Record |
|---|---|
| Mailing Address | 12 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2005 · Amount on Record |
| Deed Sale | Jun 30, 2005 · Amount on Record |
| Deed Book / Page | 1709 / 401 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 12 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Document Number | 0000016936 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 5215/412 |
| Instrument | 202216936 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 23, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 |
|---|---|---|---|
| 2025 | $2,825.00 (+14%) | $76,896 (-) Land $11,500 Building $65,396 | $127,332 (+30.82%) Land $19,043 Building $108,289 |
| 2023 | $76,896 (-) Land $11,500 Building $65,396 | $97,337 (+3.8%) Land $14,557 Building $82,780 | |
| 2022 | $76,896 Land $11,500 Building $65,396 | $93,776 Land $14,024 Building $79,752 | |
| 2021 | $2,478.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 176 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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