145 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 145 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,336 sqft · built 1968
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (May 2024)
Tax Bill	$5,457 (2026)
Deeds & Mortgages	May 2024 Sale & Mortgage Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-4-57`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-4-57`
Alternative APN	`280005901600040570000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Game Room	Game Room

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	145 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	60 PT-61 R,G,SF,OG- VALENTINE MNR 5.-402-21
Legal Block	4
Legal Lot Number	57.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1014
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	145 E PALMER AVE, SCHENECTADY, NY 12303-2537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
Jul 14, 2017	Loan Modification, Mortgage · Conventional with PMI ROUNDPOINT MTG SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Dec 23, 2014 · Amount on Record
Deed Document Number	202428119
Deed Book / Page	2130 / 794
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 10, 2024
Property Address	145 E PALMER AVE, SCHENECTADY, NY 12303-2537
Document Number	0000028119
Book / Page	2130 / 794
Instrument Date	Apr 19, 2024
Instrument	202428119
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	145 E PALMER AVE, SCHENECTADY, NY 12303-2537

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5971 CURRY RD EXT, SCHENECTADY, NY 12303-2817

Mortgage

Document Number	0000028120
Date	May 10, 2024
Instrument	202428120

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	145 E PALMER AVE, SCHENECTADY, NY 12303-2537
Document Number	0000036977
Book / Page	004781 / 000386
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 E PALMER AVE SCHENECTADY NY 123032537, SCHENECTADY, NY 12303-2537

Mortgage

Document Number	0000036977
Date	Aug 16, 2017
Book Page	004781/000386
Instrument	36977

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Aug 15, 2057

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$5,457.00 (+1.7%)
2025	$5,366.00	$146,200 (-) Land $12,200 Building $134,000	$224,900 (+16.89%) Land $18,767 Building $206,133
2023		$146,200 Land $12,200 Building $134,000	$192,400 Land $16,055 Building $176,345

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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