Schenectady County and Schenectady City property record for 138 Cromer Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 1890 |
| Lot Size | 0.201 acres (8,775 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $6,568 (2026) |
| Deeds & Mortgages | Jun 2018 Line of Credit May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.31-2-20 |
| Primary APN | 421500 60.31-2-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,712 sqft Living Area |
| 1st Floor Area | 848 sqft |
| 2nd Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,775 sqft (0.201 acres) |
| Lot Dimensions | 135 ft deep x 65 ft wide |
| Garage Type | Mixed |
| Garage Area | 264 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 550 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 138 CROMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AND PT OF 4O3 2 WOOD AND GARAGE |
| Legal Subdivision | EASTHOLM CO |
| Legal Block | 2 |
| Legal Lot Number | 20.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 21801 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 42 CROMER AVE, SCHENECTADY, NY 12304-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 11, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NY FCU |
| May 2, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 16, 2018 |
| Transfer Doc | 0000018758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 CROMER AVE, SCHENECTADY, NY 12304 |
| Document Number | 0000029597 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 42 CROMER AVE SCHENECTADY NY 123041831, SCHENECTADY, NY 12304-1831 |
| Document Number | 0000029597 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 004848/000269 |
| Instrument | 29597 |
| Name | FIRST NY FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 5, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 2, 2018 |
| Property Address | 138 CROMER AVE, SCHENECTADY, NY 12304 |
| Document Number | 0000018758 |
| Book / Page | 001986 / 000226 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 18758 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 42 CROMER AVE SCHENECTADY NY 123041831, SCHENECTADY, NY 12304-1831 |
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 |
|---|---|---|---|
| 2026 | $6,568.00 (+4.4%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,291.00 | $155,800 (-) Land $23,400 Building $132,400 | $257,990 (+30.82%) Land $38,748 Building $219,242 |
| 2023 | $155,800 Land $23,400 Building $132,400 | $197,215 Land $29,620 Building $167,595 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% 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 163 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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