Schenectady County and Schenectady City property record for 1304 Baker Ave, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,140 sqft · built 1930 |
| Lot Size | 0.119 acres (5,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Dec 2025) |
| Tax Bill | $6,443 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Aug 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.79-2-4 |
| Primary APN | 421500 40.79-2-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Upper Floors Area | 216 sqft |
| Attic | Attic |
| Attic Area | 216 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 5,200 sqft (0.119 acres) |
| Lot Dimensions | 130 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 532 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1304 BAKER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1X WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20500 |
Source: Schenectady County and Schenectady City records, as of May 26, 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 Record |
|---|---|
| Mailing Address | 912 CUTLER ST, SCHENECTADY, NY 12303-2010 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Aug 18, 2017 | Deed of Trust, Mortgage · ARM CAPITAL COMMUNICATIONS FCU |
| Nov 29, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 15, 2017 | Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2025 · Amount on Record |
| Deed Sale | Dec 30, 2025 · Amount on Record |
| Prior Sale | Mar 25, 2021 · Amount on Record |
| Deed Document Number | 202530465 |
| Deed Book / Page | 2163 / 386 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 30, 2025 |
| Property Address | 1304 BAKER AVE, SCHENECTADY, NY 12309-5714 |
| Document Number | 0000030465 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 202530465 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1304 BAKER AVE, SCHENECTADY, NY 12309-5714 |
| Name | Verified Name |
|---|---|
| Address | 912 CULTER STREET, SCHENECTADY, NY 12303-2010 |
| Document Number | 0000030466 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202530466 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1304 BAKER AVE, SCHENECTADY, NY 12309-5714 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000037607 |
|---|---|
| Date | Aug 18, 2017 |
| Book Page | 4782/314 |
| Instrument | 201737607 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 14, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.25% |
| Index | Prime Rate |
| Margin | 3 |
| Max Rate | 18% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 29, 2018 |
| Property Address | 1304 BAKER AVE, SCHENECTADY, NY 12309-5714 |
| Document Number | 0000052466 |
| Book / Page | 002000 / 000829 |
| Instrument Date | Oct 13, 2018 |
| Instrument | 52466 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 6635 WESTFALL RD ALTAMONT NY 120095919, ALTAMONT, NY 12009-5919 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 15, 2017 |
| Property Address | 1304 BAKER AVE, SCHENECTADY, NY 12309-5714 |
| Document Number | 0000011481 |
| Book / Page | 1958 / 735 |
| Instrument Date | Mar 8, 2017 |
| Instrument | 201711481 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 SEWARD ST, ALBANY, NY 12203-5007 |
| Document Number | 0000011482 |
|---|---|
| Date | Mar 15, 2017 |
| Instrument | 201711482 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
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 |
|---|---|---|---|
| 2025 | $6,443.00 (+3.97%) | $134,100 (-) Land $20,100 Building $114,000 | $222,057 (+13.35%) Land $33,284 Building $188,773 |
| 2024 | $134,100 (-) Land $20,100 Building $114,000 | $195,909 (+15.41%) Land $29,364 Building $166,545 | |
| 2023 | $134,100 (-) Land $20,100 Building $114,000 | $169,747 (+3.8%) Land $25,443 Building $144,304 | |
| 2022 | $134,100 Land $20,100 Building $114,000 | $163,537 Land $24,512 Building $139,025 | |
| 2021 | $6,197.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
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.
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 823 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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