Schenectady County and Schenectady City property record for 166 Cromer Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,040 sqft · built 1960 |
| Lot Size | 0.263 acres (11,475 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $266,000 (Nov 2025) |
| Tax Bill | $6,676 (2026) |
| Deeds & Mortgages | Jul 2024 Mortgage Nov 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.31-2-22 |
| Primary APN | 421500 60.31-2-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 11,475 sqft (0.263 acres) |
| Lot Dimensions | 135 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 136 sqft |
| Patio Area | 195 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 166 CROMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 BRICK AND GARAGE |
| Legal Subdivision | GERALDINE GARDENS |
| Legal Block | 2 |
| Legal Lot Number | 22.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 21801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 27 MARSHALL AVE, SCHENECTADY, NY 12304-2025 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2024 | Deed of Trust, Mortgage · Conventional Mortgage PIONEER BANK |
| Nov 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Feb 4, 2021 | Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Mar 29, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on Record |
| Deed Sale | Nov 21, 2025 · Amount on Record |
| Prior Sale | Feb 4, 2021 · Amount on Record |
| Deed Document Number | 202527609 |
| Deed Book / Page | 2161 / 265 |
| Prior Transfer Date | Feb 26, 2018 |
| Prior Transfer Doc | 0000013352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Document Number | 0000044458 |
|---|---|
| Date | Jul 29, 2024 |
| Book Page | 5386/496 |
| Instrument | 202444458 |
| Name | PIONEER BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 1, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 21, 2025 |
| Property Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Document Number | 0000027609 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 202527609 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,064.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Name | Verified Name |
|---|---|
| Address | 27 MARSHALL AVE, SCHENECTADY, NY 12304-2025 |
| Document Number | 0000027610 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 202527610 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 4, 2021 |
| Property Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Document Number | 0000004795 |
| Book / Page | 2051 / 640 |
| Instrument Date | Jan 12, 2021 |
| Instrument | 202104795 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | PAC ABS & TITLE SVCS LLC, PAC ABSTRACT & TTL SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $592.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Name | Verified Name |
|---|---|
| Address | 34 CONGRESS ST, COHOES, NY 12047-2901 |
| Document Number | 0000004796 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 202104796 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 29, 2018 |
| Property Address | 166 CROMER AVE, SCHENECTADY, NY 12304-1814 |
| Document Number | 0000013352 |
| Book / Page | 001984 / 000001 |
| Instrument Date | Feb 26, 2018 |
| Instrument | 13352 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 166 CROMER AVE SCHENECTADY NY 123041814, SCHENECTADY, NY 12304-1814 |
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 | $6,676.00 (+1.89%) | ||
| 2025 | $6,552.00 (+4.05%) | $135,600 (-) Land $20,300 Building $115,300 | $224,540 (+13.35%) Land $33,615 Building $190,925 |
| 2024 | $135,600 (-) Land $20,300 Building $115,300 | $198,101 (+15.41%) Land $29,657 Building $168,444 | |
| 2023 | $135,600 (-) Land $20,300 Building $115,300 | $171,646 (+3.8%) Land $25,696 Building $145,950 | |
| 2022 | $135,600 Land $20,300 Building $115,300 | $165,366 Land $24,756 Building $140,610 | |
| 2021 | $6,297.00 |
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 96% of the US · lower than 95% 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 163 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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