120 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 120 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,053 sqft · built 1969
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Mar 2026)
Tax Bill	$5,226 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2025 Construction Loan + 6 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-29`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-29`
Alternative APN	`280005901600060290000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,053 sqft Living Area
1st Floor Area	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	120 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	6
Legal Lot Number	29.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1012
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records, as of September 23, 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 Record
Mailing Address	291 N THOMPSON ST, SCHENECTADY, NY 12306-6941
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Commercial Mortgage ICE LENDER HOLDINGS LLC
Nov 25, 2025	Deed of Trust, Mortgage · Construction Mortgage PPP PROPERTIES LLC
Nov 25, 2025	Deed of Trust, Mortgage · Construction Mortgage PPP PROPERTIES LLC
Nov 25, 2025	Deed of Trust, Mortgage · Commercial Mortgage ICE LENDER HOLDINGS LLC
Mar 31, 2026	Warranty Deed, Transfer · Conventional Mortgage BROADVIEW FCU
Nov 25, 2025	Warranty Deed, Transfer · Construction Mortgage ICE LENDER HOLDINGS LLC
Jan 13, 2023	Intrafamily Transfer, Transfer
Jan 13, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Nov 25, 2025 · Amount on Record
Deed Document Number	20267222
Deed Book / Page	2169 / 368
Prior Transfer Date	Nov 22, 2022
Prior Transfer Doc	0000002687
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027884
Date	Nov 25, 2025
Instrument	202527884

Lender

Name	ICE LENDER HOLDINGS LLC
Address	NEW YORK, NY 10018

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027890
Date	Nov 25, 2025
Instrument	202527890

Lender

Name	PPP PROPERTIES LLC
Type	Non-Lending Institution
Address	WYNANTSKILL, NY 12198

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027890
Date	Nov 25, 2025
Instrument	202527890

Lender

Name	PPP PROPERTIES LLC
Type	Non-Lending Institution
Address	WYNANTSKILL, NY 12198

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027884
Date	Nov 25, 2025
Instrument	202527884

Lender

Name	ICE LENDER HOLDINGS LLC
Address	NEW YORK, NY 10018

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 31, 2026
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000007222
Map Reference	MAP F-29
Instrument Date	Mar 9, 2026
Instrument	202607222
Transaction Type	Transfer
Record Updated	May 7, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 GRIEME AVE, AMSTERDAM, NY 12010-5827

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	291 N THOMPSON ST, SCHENECTADY, NY 12306-6941

Mortgage

Document Number	0000007223
Date	Mar 31, 2026
Instrument	202607223

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7%
Index	SOFR Average 30-Day
Max Rate	10%

Mortgage

Document Number	0000007224
Date	Mar 31, 2026
Instrument	202607224

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 25, 2025
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000027880
Map Reference	MAP F-279
Instrument Date	Oct 22, 2025
Instrument	202527880
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4107 STONEFIELD WAY, SCHENECTADY, NY 12306-7001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 640, WYNANTSKILL, NY 12198-0640
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027883
Date	Nov 25, 2025
Instrument	202527883

Lender

Name	ICE LENDER HOLDINGS LLC
Address	NEW YORK, NY 10018

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 13, 2023
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000002687
Book / Page	2100 / 871
Instrument Date	Nov 22, 2022
Instrument	202302687
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4107 STONEFIELD WAY, GUILDERLAND, NY 12084

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 13, 2023
Property Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000002687
Book / Page	2100 / 871
Instrument Date	Nov 22, 2022
Instrument	202302687
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E PALMER AVE, SCHENECTADY, NY 12303-2511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4107 STONEFIELD WAY, GUILDERLAND, NY 12084

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Rotterdam Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,226.00 (+1.71%)
2025	$5,138.00	$140,000 (-) Land $10,800 Building $129,200	$215,400 (+10.8%) Land $16,617 Building $198,783
2024		$140,000 (-) Land $10,800 Building $129,200	$194,400 (+5.54%) Land $14,997 Building $179,403
2023		$140,000 Land $10,800 Building $129,200	$184,200 Land $14,210 Building $169,990

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.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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