Schenectady County and Rotterdam Town property record for 173 E Palmer Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,384 sqft · built 1964 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,500 (Aug 2023) |
| Tax Bill | $5,175 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 59.16-5-7 |
| Primary APN | 422800 59.16-5-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Upper Floors Area | 416 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 173 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 | 53 R,G,SF,OG- VALENTINE MNR 5.-402-14 |
| Legal Block | 5 |
| Legal Lot Number | 7.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 32901 |
Source: Schenectady County and Rotterdam Town records · APN 422800 59.16-5-7
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 173 E PALMER AVE, SCHENECTADY, NY 12303-2538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 16, 2023 | Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2023 · Amount on Record |
| Deed Sale | Aug 16, 2023 · Amount on Record |
| Deed Document Number | 202346556 |
| Deed Book / Page | 2113 / 813 |
| Prior Transfer Date | Sep 29, 2011 |
| Prior Transfer Doc | 0000042967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 173 E PALMER AVE, SCHENECTADY, NY 12303-2538 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 173 E PALMER AVE, SCHENECTADY, NY 12303-2538 |
| Document Number | 0000004877 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 202604877 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 16, 2023 |
| Property Address | 173 E PALMER AVE, SCHENECTADY, NY 12303-2538 |
| Document Number | 0000046556 |
| Book / Page | 2113 / 813 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 202346556 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 SHEREEN CT, SCHENECTADY, NY 12304-4714 |
| Name | Verified Name |
|---|---|
| Address | 66 CORDELL RD, SCHENECTADY, NY 12304-4571 |
| Document Number | 0000046557 |
|---|---|
| Date | Aug 16, 2023 |
| Instrument | 202346557 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,175.00 | $141,000 (-) Land $9,900 Building $131,100 | $216,900 (+16.93%) Land $15,229 Building $201,671 |
| 2023 | $141,000 (-) Land $9,900 Building $131,100 | $185,500 (+9.18%) Land $13,024 Building $172,476 | |
| 2022 | $141,000 Land $9,900 Building $131,100 | $169,900 Land $11,929 Building $157,971 |
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 95% of the US · lower than 94% 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 | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: T-Mobile USA.
Based on FCC filings for 248 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 | ROTTERDAM WD #5 serves 28,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) 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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