Schenectady County and Schenectady City property record for 15 Willow Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,215 sqft · built 1910 |
| Lot Size | 0.095 acres (4,144 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Nov 2024) |
| Tax Bill | $3,861 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-5-53 |
| Primary APN | 421500 49.68-5-53 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,215 sqft Living Area |
| 1st Floor Area | 810 sqft |
| Upper Floors Area | 405 sqft |
| Attic | Attic |
| Attic Area | 405 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,144 sqft (0.095 acres) |
| Lot Dimensions | 112 ft deep x 37 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 201 sqft |
| Porch | Slab |
| Porch Area | 323 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 WILLOW AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | CLUTE MAP 2 WOOD |
| Legal Block | 5 |
| Legal Lot Number | 53.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Oct 30, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2024 · Amount on Record |
| Deed Sale | Nov 20, 2024 · Amount on Record |
| Prior Sale | Oct 30, 2017 · Amount on Record |
| Deed Document Number | 202470227 |
| Deed Book / Page | 2142 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 15 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Document Number | 0000040183 |
|---|---|
| Date | Jul 29, 2022 |
| Book Page | 5245/337 |
| Instrument | 202240183 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 15, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 30, 2017 |
| Property Address | 15 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Document Number | 0000049021 |
| Book / Page | 001974 / 000144 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 49021 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $306.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 ELLIOTT AVE SCHENECTADY NY 123041706, SCHENECTADY, NY 12304-1706 |
| Document Number | 49023 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 004796/000853 |
| Instrument | 49023 |
| Name | HOMEOWNERS ADVANTAGE |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2047 |
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 | $3,861.00 (+2.74%) | ||
| 2025 | $3,758.00 (+6.67%) | $66,200 (-) Land $9,900 Building $56,300 | $109,621 (+30.82%) Land $16,393 Building $93,228 |
| 2023 | $66,200 (-) Land $9,900 Building $56,300 | $83,797 (+3.8%) Land $12,532 Building $71,265 | |
| 2022 | $66,200 Land $9,900 Building $56,300 | $80,732 Land $12,073 Building $68,659 | |
| 2021 | $3,523.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | Not rated no burnable land within 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 639 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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