Schenectady County and Niskayuna Town property record for 125 Central Ave, Schenectady, NY 12304 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,088 sqft · built 1918 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,932 (2025) |
| Deeds & Mortgages | Oct 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.19-2-12 |
| Primary APN | 422400 60.19-2-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 165 ft deep x 100 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 93 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 125 CENTRAL AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 31902 |
Source: Schenectady County and Niskayuna Town records · APN 422400 60.19-2-12
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 125 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 125 CENTRAL AVE, SCHENECTADY, NY 12304-2439 |
| Document Number | 0000000857 |
| Instrument Date | Oct 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 125 CENTRAL AVE SCHENECTADY NY 123042439, SCHENECTADY, NY 12304-2439 |
| Document Number | 0000000857 |
|---|---|
| Date | Jan 08, 2021 |
| Book Page | 005057/000707 |
| Instrument | 857 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 07, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
Source: Schenectady County and Niskayuna Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,932.00 | $95,000 (-) Land $28,300 Building $66,700 | $140,700 (+16.96%) Land $41,914 Building $98,786 |
| 2023 | $95,000 Land $28,300 Building $66,700 | $120,300 Land $35,837 Building $84,463 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 238 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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