Schenectady County and Schenectady City property record for 148 Elmer Ave, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,742 sqft · built 1915 |
| Lot Size | 0.099 acres (4,329 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Apr 2021) |
| Tax Bill | $7,632 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage May 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.27-2-37 |
| Primary APN | 421500 49.27-2-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,742 sqft Living Area |
| 1st Floor Area | 878 sqft |
| 2nd Floor Area | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 4,329 sqft (0.099 acres) |
| Lot Dimensions | 111 ft deep x 39 ft wide |
| Garage Type | Detached |
| Garage Area | 198 sqft |
| Porch | Slab |
| Porch Area | 250 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 148 ELMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | PART OF 2 WOOD AND GARAGE |
| Legal Subdivision | PROPERTY OF EDWARD D CUTLER |
| Legal Block | 2 |
| Legal Lot Number | 37.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20800 |
148 Elmer Ave is owned and occupied by two individuals who acquired it in August 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 148 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| May 29, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 6, 2018 | Grant Deed, Foreclosure SERVICELINK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2021 · Amount on File |
| Deed Sale | Apr 6, 2021 · Amount on File |
| Prior Sale | May 29, 2018 · Amount on File |
| Deed Document Number | 202115185 |
| Deed Book / Page | 2056 / 16 |
| Last Transfer Date | Aug 13, 2021 |
| Transfer Doc | 0000041474 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 6, 2021 |
| Property Address | 148 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000015185 |
| Book / Page | 2056 / 16 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 202115185 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 148 ELMER AVE, 148, SCHENECTADY, NY 12308-3322 |
| Name | Verified Name |
|---|---|
| Address | 1335 CRANE ST, SCHENECTADY, NY 12303-1848 |
| Document Number | 0000015186 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 202115186 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 29, 2018 |
| Property Address | 148 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000022661 |
| Book / Page | 001988 / 000133 |
| Instrument Date | May 23, 2018 |
| Instrument | 22661 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $138.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8842 187TH ST HOLLIS NY 114231826, HOLLIS, NY 11423-1826 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 6, 2018 |
| Property Address | 148 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000014543 |
| Book / Page | 001984 / 000443 |
| Instrument Date | Jan 5, 2017 |
| Instrument | 14543 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 27, 2018 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 148 Elmer Ave was $7,632, up 1.7% 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 | $7,632.00 (+1.73%) | ||
| 2025 | $7,502.00 | $154,200 Land $15,700 Building $138,500 | $255,340 Land $25,998 Building $229,342 |
| 2023 | $154,200 (-) Land $15,700 Building $138,500 | $195,190 (+3.8%) Land $19,873 Building $175,317 | |
| 2022 | $154,200 Land $15,700 Building $138,500 | $188,049 Land $19,146 Building $168,903 | |
| 2021 | $6,213.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 148 Elmer Ave in Zone X, an area of minimal flood risk.
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 risk around 148 Elmer 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 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 615 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 |
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