Schenectady County and Rotterdam Town property record for 129 E Palmer Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,560 sqft · built 1971 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $171,000 (Jan 2019) |
| Tax Bill | $6,826 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.16-7-1 |
| Primary APN | 422800 59.16-7-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 60 ft deep x 87 ft wide |
| Garage Type | Basement |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Slab |
| Porch Area | 150 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 129 E PALMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-2512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | R,G,FP,SP VALENTN MNR #2-79 5.-403-16 |
| Legal Subdivision | SECTION NO 2 VALONTINE MONAR |
| Legal Block | 7 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 32901 |
Source: Schenectady County and Rotterdam Town records · APN 422800 59.16-7-1
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 129 E PALMER AVE, SCHENECTADY, NY 12303-2512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC |
| Jan 22, 2019 | Grant Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 22, 2019 · Amount on Record |
| Deed Sale | Jan 22, 2019 · Amount on Record |
| Prior Sale | May 20, 1998 · Amount on Record |
| Deed Document Number | 20192830 |
| Deed Book / Page | 2004 / 24 |
| Prior Transfer Date | Feb 27, 2015 |
| Prior Transfer Doc | 0000008679 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 129 E PALMER AVE, SCHENECTADY, NY 12303-2512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|---|
| Address | 129 E PALMER AVE, SCHENECTADY, NY 12303-2512 |
| Document Number | 0000044966 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 5143/244 |
| Instrument | 202144966 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 22, 2019 |
| Property Address | 129 E PALMER AVE, SCHENECTADY, NY 12303-2512 |
| Document Number | 0000002830 |
| Book / Page | 002004 / 000024 |
| Instrument Date | Jan 08, 2019 |
| Instrument | 2830 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $684.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 150 MILL ST TROY NY 121805910, TROY, NY 12180-5910 |
| Document Number | 2832 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 004890/000806 |
| Instrument | 2832 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 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 | $6,826.00 | $186,000 (-) Land $10,800 Building $175,200 | $286,200 (+16.96%) Land $16,618 Building $269,582 |
| 2023 | $186,000 Land $10,800 Building $175,200 | $244,700 Land $14,208 Building $230,492 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA.
Based on FCC filings for 248 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROTTERDAM WD #5 serves 28,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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