124 Cromer Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 124 Cromer Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 954 sqft · built 1971
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Oct 2024)
Tax Bill	$4,827 (2026)
Deeds & Mortgages	Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.31-2-18`

Property Details

APN / Parcel Number

Primary APN	`421500 60.31-2-18`
Alternative APN	`150006003100020180000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	954 sqft Living Area
1st Floor Area	954 sqft
Basement Area	204 sqft
Finished Basement	204 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	135 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	124 CROMER AVE
City	SCHENECTADY
State	NY
Zip	12304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 WOOD & GAR
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1016
Census Tract	21801

Owner

124 Cromer Ave is owned by an individual who bought it in October 2024.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	439 LIVINGSTON AVE, ALBANY, NY 12206-2812
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2024 · Amount on File
Deed Sale	Oct 23, 2024 · Amount on File
Deed Document Number	202463908
Deed Book / Page	2140 / 492
Record Updated	Oct 29, 2026

October 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 23, 2024
Property Address	124 CROMER AVE, SCHENECTADY, NY 12304
Document Number	0000063908
Book / Page	2140 / 492
Instrument Date	Sep 20, 2024
Instrument	202463908
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	SPA CITY TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36 CROMER AVE, SCHENECTADY, NY 12304-1831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 LIVINGSTON AVE, ALBANY, NY 12206-2812

Mortgage

Document Number	0000063909
Date	Oct 23, 2024
Instrument	202463909

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 124 Cromer Ave was $4,827, up 2.4% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,827.00 (+2.35%)
2025	$4,716.00	$91,900 Land $13,800 Building $78,100	$152,178 Land $22,852 Building $129,326
2023		$91,900 (-) Land $13,800 Building $78,100	$116,329 (+3.8%) Land $17,468 Building $98,861
2022		$91,900 Land $13,800 Building $78,100	$112,073 Land $16,829 Building $95,244
2021	$1,576.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 124 Cromer Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 124 Cromer 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 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	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) 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 514 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