Schenectady County and Schenectady City property record for 150 Elmer Ave, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,616 sqft · built 1915 |
| Lot Size | 0.101 acres (4,440 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Aug 2017) |
| Tax Bill | $6,189 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.27-2-36 |
| Primary APN | 421500 49.27-2-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,616 sqft Total Area |
| 1st Floor Area | 1,308 sqft |
| 2nd Floor Area | 1,308 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 4,440 sqft (0.101 acres) |
| Lot Dimensions | 111 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 522 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 150 ELMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3322 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 STUCCO |
| Legal Block | 2 |
| Legal Lot Number | 36.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20800 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Jan 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 17, 2021 | Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| May 13, 2020 | Loan Modification, Mortgage · Conventional Mortgage RITA DABY |
| Aug 24, 2017 | Grant Deed, Transfer DAVID C MCDERMOTT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2017 · Amount on Record |
| Deed Sale | Aug 24, 2017 · Amount on Record |
| Prior Sale | May 17, 2017 · Amount on Record |
| Deed Document Number | 201738419 |
| Deed Book / Page | 1969 / 830 |
| Last Transfer Date | Jun 2, 2021 |
| Transfer Doc | 0000028163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 10, 2026 |
| Property Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000013189 |
| Instrument Date | May 13, 2026 |
| Instrument | 202613189 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000013189, |
|---|---|
| Date | Jun 10, 2026 |
| Instrument | 202613189 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Dec 1, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000003427 |
|---|---|
| Date | Jan 16, 2024 |
| Book Page | 5353/831 |
| Instrument | 202403427 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 17, 2021 |
| Property Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000057777 |
| Book / Page | 2071 / 646 |
| Map Reference | CAB A-121 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 202157777 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $756.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1740 AVENUE B, 1740, SCHENECTADY, NY 12308-1910 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 195 FILLMORE AVE, SCHENECTADY, NY 12304-4175 |
| Document Number | 0000057778 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 202157778 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000014540 |
| Instrument Date | May 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 1740 AVENUE B SCHENECTADY NY 123081910, SCHENECTADY, NY 12308-1910 |
| Document Number | 0000014540 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 004990/000207 |
| Instrument | 14540 |
| Name | RITA DABY |
|---|---|
| Address | 19 FRONT ST, SCHENECTADY, NY 12305-1301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 20, 2040 |
| Rate | 3.25% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 24, 2017 |
| Property Address | 150 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Document Number | 0000038419 |
| Book / Page | 001969 / 000830 |
| Instrument Date | Aug 14, 2017 |
| Instrument | 38419 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1740 AVENUE B SCHENECTADY NY 123081910, SCHENECTADY, NY 12308-1910 |
| Document Number | 38420 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 004783/000417 |
| Instrument | 38420 |
| Name | DAVID C MCDERMOTT |
|---|---|
| Address | 152 ELMER AVE, SCHENECTADY, NY 12308-3322 |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|
| Rate Type | Fixed Rate |
|---|---|
| Rate | 9% |
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 | $6,189.00 (+3.29%) | ||
| 2025 | $5,992.00 (+7.35%) | $102,100 (-) Land $15,300 Building $86,800 | $169,068 (+30.82%) Land $25,335 Building $143,733 |
| 2023 | $102,100 (-) Land $15,300 Building $86,800 | $129,241 (+3.8%) Land $19,367 Building $109,874 | |
| 2022 | $102,100 Land $15,300 Building $86,800 | $124,512 Land $18,659 Building $105,853 | |
| 2021 | $5,582.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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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