165 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 165 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1967
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Dec 2020)
Tax Bill	$6,753 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-5-9`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-5-9`
Alternative APN	`280005901600050090000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,786 sqft Living Area
1st Floor Area	1,282 sqft
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Shed	1 Shed
Shed Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	165 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	55,R,G,FP,TLSH,ADD VALENTINE MNR 5.-402-16
Legal Subdivision	MAP #1 BENJAMIN VALENTINE MANOR
Legal Block	5
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1018
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records, as of April 14, 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 Record
Mailing Address	165 E PALMER AVE, SCHENECTADY, NY 12303-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
Mar 15, 2017	Warranty Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Mar 15, 2017 · Amount on Record
Deed Document Number	202040595
Deed Book / Page	2048 / 558
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 22, 2020
Property Address	165 E PALMER AVE, SCHENECTADY, NY 12303-2538
Document Number	0000040595
Book / Page	2048 / 558
Instrument Date	Dec 18, 2020
Instrument	202040595
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	MARATHON TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$916.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	163 E PALMER AVE, 163, SCHENECTADY, NY 12303-2538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 3RD AVE, ALBANY, NY 12202-1562

Mortgage

Document Number	0000040596
Date	Dec 22, 2020
Instrument	202040596

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 15, 2017
Property Address	165 E PALMER AVE, SCHENECTADY, NY 12303-2538
Document Number	0000011487
Book / Page	1958 / 748
Instrument Date	Mar 10, 2017
Instrument	201711487
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$816.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	165 E PALMER AVE, 165, SCHENECTADY, NY 12303-2538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 HUNTING RD, ALBANY, NY 12205-3903

Mortgage

Document Number	0000011488
Date	Mar 15, 2017
Instrument	201711488

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2024
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.87%
Index	1-Year CMT
Margin	3
Max Rate	8.87%

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
2025	$6,753.00	$184,000 (-) Land $9,900 Building $174,100	$283,100 (+16.94%) Land $15,232 Building $267,868
2023		$184,000 Land $9,900 Building $174,100	$242,100 Land $13,026 Building $229,074

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 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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