Schenectady County and Schenectady City property record for 1209 Elton Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,988 sqft · built 1970 |
| Lot Size | 0.206 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,500 (May 2018) |
| Tax Bill | $7,479 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.22-2-30.1 |
| Primary APN | 421500 40.22-2-30.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,988 sqft Living Area |
| 1st Floor Area | 1,180 sqft |
| Upper Floors Area | 808 sqft |
| Basement Area | 416 sqft |
| Finished Basement | 416 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Lot Area | 9,000 sqft (0.206 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 30 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1209 ELTON AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 515 & 516 1 BRICK |
| Legal Block | 2 |
| Legal Lot Number | 30.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20102 |
1209 Elton Ave is owned and occupied by an individual who acquired it in July 2024.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1209 ELTON AVE, SCHENECTADY, NY 12309-3630 |
| 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 |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Apr 23, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF SCOTIA |
| May 30, 2018 | Warranty Deed, Transfer KEYBANK USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2018 · Amount on File |
| Deed Sale | May 30, 2018 · Amount on File |
| Prior Sale | Jun 29, 2000 · Amount on File |
| Deed Document Number | 201823120 |
| Deed Book / Page | 1988 / 223 |
| Last Transfer Date | Jul 31, 2024 |
| Transfer Doc | 0000058833 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 30, 2026 |
| Property Address | 1209 ELTON AVE, SCHENECTADY, NY 12309-3630 |
| Document Number | 0000017064 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202617064 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1209 ELTON AVE, SCHENECTADY, NY 12309-3630 |
| Document Number | 0000017064, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 202617064 |
| Name | KEYBANK USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 ELTON AVE, SCHENECTADY, NY 12309-3630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000016929 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 4832/339 |
| Instrument | 201816929 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 14, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 30, 2018 |
| Property Address | 1209 ELTON AVE, SCHENECTADY, NY 12309-3630 |
| Document Number | 0000023120 |
| Book / Page | 001988 / 000223 |
| Instrument Date | May 29, 2018 |
| Instrument | 23120 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $490.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 SURREY RD GLENVILLE NY 123025026, GLENVILLE, NY 12302-5026 |
| Document Number | 23121 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 004840/000025 |
| Instrument | 23121 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 29, 2048 |
The 2026 property tax bill for 1209 Elton Ave was $7,479, up 1.8% from the year before.
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 |
|---|---|---|---|
| 2026 | $7,479.00 (+1.76%) | ||
| 2025 | $7,350.00 | $148,200 Land $22,200 Building $126,000 | $245,405 Land $36,761 Building $208,644 |
| 2023 | $148,200 Land $22,200 Building $126,000 | $187,595 Land $28,101 Building $159,494 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1209 Elton Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.
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 Policies | 1 in force |
| Nearby Flood Claims | 2 (2008–2026) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
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 1209 Elton Ave is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 | 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 405 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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