Schenectady County and Schenectady City property record for 138 Ward Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,480 sqft · built 1975 |
| Lot Size | 0.149 acres (6,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,833 (2026) |
| Deeds & Mortgages | Jan 2025 Mortgage May 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-20.2 |
| Primary APN | 421500 50.78-1-20.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Upper Floors Area | 168 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,500 sqft (0.149 acres) |
| Lot Dimensions | 100 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 536 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 138 WARD AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 365 AND PT OF 363 1 WOOD & GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 20.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 20700 |
138 Ward Ave is owned and occupied by two individuals.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NEW YORK FCU |
| May 25, 2017 | Deed of Trust, Mortgage MOHAWK PROGRESSIVE FCU |
| Aug 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOHAWK PROGRESSIVE FCU |
| Aug 6, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOHAWK PROGRESSIVE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Title Company | NORTHWAY TITLE AGENCY, NORTHWAY TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Document Number | 0000001317 |
|---|---|
| Date | Jan 15, 2025 |
| Instrument | 202501317 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000023351 |
|---|---|
| Date | May 25, 2017 |
| Book Page | 4762/583 |
| Instrument | 201723351 |
| Name | MOHAWK PROGRESSIVE FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12304 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Apr 30, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038107 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 4933/774 |
| Instrument | 201938107 |
| Name | MOHAWK PROGRESSIVE FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 31, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 138 WARD AVE, SCHENECTADY, NY 12304-1436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022838 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 5010/527 |
| Instrument | 202022838 |
| Name | MOHAWK PROGRESSIVE FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 31, 2030 |
The 2026 property tax bill for 138 Ward Ave was $6,833, up 1.8% from the year before.
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 | $6,833.00 (+1.83%) | ||
| 2025 | $6,710.00 | $128,000 Land $22,100 Building $105,900 | $211,956 Land $36,596 Building $175,360 |
| 2023 | $128,000 (-) Land $22,100 Building $105,900 | $162,025 (+3.8%) Land $27,975 Building $134,050 | |
| 2022 | $128,000 Land $22,100 Building $105,900 | $156,098 Land $26,951 Building $129,147 | |
| 2021 | $6,382.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 138 Ward Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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 Claims | 2 (1980) |
| Most Recent Claim | Mar 1980 · rainfall accumulation |
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.
Wildfire risk around 138 Ward Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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 531 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 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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