Schenectady County and Rotterdam Town property record for 1206 Palma Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1946 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,500 (Feb 2021) |
| Tax Bill | $6,312 (2026) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Mar 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 58.7-10-14 |
| Primary APN | 422800 58.7-10-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 468 sqft |
| Game Room | Game Room |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 140 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 209 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1206 PALMA AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-2828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 118 R,G PALMA 1 6.-451-15 |
| Legal Subdivision | MAP #1 OF THE PALMA DEVELOPMENT |
| Legal Block | 10 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 33004 |
1206 Palma Ave is owned and occupied by an individual who bought it in February 2021.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1206 PALMA AVE, SCHENECTADY, NY 12306-2828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2021 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Mar 28, 2017 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 16, 2021 · Amount on File |
| Deed Sale | Feb 16, 2021 · Amount on File |
| Deed Document Number | 20216132 |
| Deed Book / Page | 2052 / 266 |
| Prior Transfer Date | Sep 13, 2012 |
| Prior Transfer Doc | 0000041127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 16, 2021 |
| Property Address | 1206 PALMA AVE, SCHENECTADY, NY 12306-2828 |
| Document Number | 0000006132 |
| Book / Page | 2052 / 266 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 202106132 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $722.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1206 PALMA AVE, 1206, SCHENECTADY, NY 12306-2828 |
| Name | Verified Name |
|---|---|
| Address | 11B DEER PATH DR, ALBANY, NY 12205-2001 |
| Document Number | 0000006133 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 202106133 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1206 PALMA AVE, SCHENECTADY, NY 12306-2828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013734 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 4750/989 |
| Instrument | 201713734 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 21, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1206 Palma Ave was $6,312, up 1.9% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,312.00 (+1.92%) | ||
| 2025 | $6,193.00 | $169,000 Land $8,000 Building $161,000 | $260,000 Land $12,308 Building $247,692 |
| 2023 | $169,000 Land $8,000 Building $161,000 | $222,400 Land $10,528 Building $211,872 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1206 Palma Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
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.
Wildfire risk around 1206 Palma Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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.
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 |
| 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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 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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