Schenectady County and Schenectady City property record for 16 Tower Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,170 sqft · built 1920 |
| Lot Size | 0.317 acres (13,825 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,000 (Nov 2018) |
| Tax Bill | $4,898 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 59.36-1-6 |
| Primary APN | 421500 59.36-1-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,170 sqft Living Area |
| 1st Floor Area | 684 sqft |
| 2nd Floor Area | 486 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,825 sqft (0.317 acres) |
| Lot Dimensions | 175 ft deep x 79 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Patio |
| Porch Area | 234 sqft |
| Patio Area | 40 sqft |
| Shed | 1 Shed |
| Canopy | 16 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16 TOWER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD AND BARN |
| Legal Subdivision | CHRISTIAN SEAHORN |
| Legal Block | 1 |
| Legal Lot Number | 6.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records · APN 421500 59.36-1-6
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 29, 2018 | Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 29, 2018 · Amount on Record |
| Deed Sale | Nov 29, 2018 · Amount on Record |
| Prior Sale | Feb 16, 2011 · Amount on Record |
| Deed Document Number | 201852428 |
| Deed Book / Page | 2000 / 810 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Document Number | 0000046728 |
|---|---|
| Date | Aug 16, 2023 |
| Book Page | 5324/50 |
| Instrument | 202346728 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Document Number | 0000017013 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 5090/677 |
| Instrument | 202117013 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 29, 2018 |
| Property Address | 16 TOWER AVE, SCHENECTADY, NY 12304-3209 |
| Document Number | 0000052428 |
| Book / Page | 2000 / 810 |
| Map Reference | MAP 386 MB 10 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 201852428 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $376.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16 TOWER AVE, 16, SCHENECTADY, NY 12304-3209 |
| Name | Verified Name |
|---|---|
| Address | 2275 HAMBURG ST, SCHENECTADY, NY 12303-2323 |
| Document Number | 0000052432 |
|---|---|
| Date | Nov 29, 2018 |
| Book Page | 4880/904 |
| Instrument | 201852432 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,898.00 (+5.13%) | $95,200 (-) Land $14,300 Building $80,900 | $157,642 (+30.82%) Land $23,679 Building $133,963 |
| 2023 | $95,200 (-) Land $14,300 Building $80,900 | $120,506 (+3.8%) Land $18,101 Building $102,405 | |
| 2022 | $95,200 Land $14,300 Building $80,900 | $116,098 Land $17,439 Building $98,659 | |
| 2021 | $4,659.00 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 176 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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