144 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 144 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,159 sqft · built 1968
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,000 (Jan 2022)
Tax Bill	$5,786 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-23`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-23`
Alternative APN	`280005901600060230000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,159 sqft Living Area
1st Floor Area	1,159 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	375 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	144 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 Subdivision	BEN VALENTINE MANOR
Legal Block	6
Legal Lot Number	23.000
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 September 23, 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	144 E PALMER AVE, SCHENECTADY, NY 12303-2511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Jan 7, 2022	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 29, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 16, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Deed Document Number	20221191
Deed Book / Page	2075 / 878
Prior Transfer Date	Dec 15, 2020
Prior Transfer Doc	0000041099
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	144 E PALMER AVE, SCHENECTADY, NY 12303-2511
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017022
Date	Mar 21, 2024
Book Page	5363/732
Instrument	202417022

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 7, 2022
Property Address	144 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000001191
Book / Page	2075 / 878
Instrument Date	Mar 26, 2021
Instrument	202201191
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	PRIORITY 1 ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 E PALMER AVE, SCHENECTADY, NY 12303-2511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 CHEPSTOW RD, SCHENECTADY, NY 12303-2322

Mortgage

Document Number	0000001192
Date	Jan 7, 2022
Instrument	202201192

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Apr 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 29, 2020
Property Address	144 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000041099
Book / Page	002048 / 000887
Instrument Date	Dec 15, 2020
Instrument	41099
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 E PALMER AVE SCHENECTADY NY 123032511, SCHENECTADY, NY 12303-2511

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 16, 2017
Property Address	144 E PALMER AVE, SCHENECTADY, NY 12303-2511
Document Number	0000026977
Book / Page	001965 / 000106
Instrument Date	Jun 12, 2017
Instrument	26977
Transaction Type	Transfer
Record Updated	Jun 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8519 FORDSON RD HENRICO VA 232293212, HENRICO, VA 23229-3212

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
2026	$5,786.00 (+1.71%)
2025	$5,689.00	$155,000 (-) Land $9,900 Building $145,100	$238,500 (+16.97%) Land $15,233 Building $223,267
2023		$155,000 Land $9,900 Building $145,100	$203,900 Land $13,023 Building $190,877

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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