128 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 128 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,090 sqft · built 1968
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Mar 2023)
Tax Bill	$6,709 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-27`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-27`
Alternative APN	`280005901600060270000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	147 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	128 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 Description	R,G,BF,OG,TLSH VALENTN MNR #2-65 5.-403-2
Legal Block	6
Legal Lot Number	27.000
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 April 14, 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	128 E PALMER AVE, SCHENECTADY, NY 12303-2511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION
Nov 18, 2022	Administrator's Deed, Transfer · Line of Credit MAKO INTERNANTIONAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2023 · Amount on Record
Deed Sale	Mar 17, 2023 · Amount on Record
Prior Sale	Nov 18, 2022 · Amount on Record
Deed Document Number	202315340
Deed Book / Page	2104 / 630
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	128 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E PALMER AVE, SCHENECTADY, NY 12303-2511

Mortgage

Document Number	0000038399
Date	Jul 3, 2023
Book Page	5314/610
Instrument	202338399

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 17, 2023
Property Address	128 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000015340
Book / Page	2104 / 630
Instrument Date	Mar 8, 2023
Instrument	202315340
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2241 BROADWAY, SCHENECTADY, NY 12306-4028

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 ALTAMONT VOORHEESVILLE RD, ALTAMONT, NY 12009-4902

Mortgage

Document Number	0000015341
Date	Mar 17, 2023
Instrument	202315341

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2022: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 18, 2022
Property Address	128 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000060956
Book / Page	2097 / 105
Instrument Date	Oct 7, 2022
Instrument	202260956
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	SPA CITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4510 COUNTY ROUTE, GHENT, NY 12075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2241 BROADWAY, SCHENECTADY, NY 12306-4028
Investor	Possibly a Property Investor

Mortgage

Document Number	0000060957
Date	Nov 18, 2022
Instrument	202260957

Lender

Name	MAKO INTERNANTIONAL LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

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
2025	$6,709.00	$182,800 (-) Land $11,700 Building $171,100	$281,200 (+16.91%) Land $17,998 Building $263,202
2023		$182,800 Land $11,700 Building $171,100	$240,526 Land $15,395 Building $225,131

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

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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