Schenectady County and Schenectady City property record for 174 Ward Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,230 sqft · built 1977 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $302,000 (Dec 2025) |
| Tax Bill | $5,656 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Mar 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.78-1-19.5 |
| Primary APN | 421500 50.78-1-19.5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,230 sqft Living Area |
| 1st Floor Area | 1,085 sqft |
| Upper Floors Area | 88 sqft |
| Attic | Attic |
| Attic Area | 57 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 301 sqft |
| Porch | Slab |
| Porch Area | 444 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 174 WARD AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PTS OF 371 1 WOOD & GAR |
| Legal Subdivision | REVISED MAP OF CONSAUL ROAD GARDENS |
| Legal Block | 1 |
| Legal Lot Number | 19.005 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 20700 |
174 Ward Ave is owned by an individual who bought it in December 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10 LESTER ST, ALBANY, NY 12205-3808 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Mar 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage M & T BANK |
| Jan 24, 2018 | Loan Modification, Mortgage WELLS FARGO BK NW NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 2025 · Amount on File |
| Deed Sale | Dec 30, 2025 · Amount on File |
| Prior Sale | Feb 28, 2020 · Amount on File |
| Deed Document Number | 202530480 |
| Deed Book / Page | 2163 / 398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 30, 2025 |
| Property Address | 174 WARD AVE, SCHENECTADY, NY 12304-1446 |
| Document Number | 0000030480 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 202530480 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | PAC ABS & TITLE SVCS LLC, PAC ABSTRACT & TTL SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,208.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 174 WARD AVE, SCHENECTADY, NY 12304-1446 |
| Name | Verified Name |
|---|---|
| Address | 10 LESTER ST, ALBANY, NY 12205-3808 |
| Document Number | 0000030481 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202530481 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 174 WARD AVE, SCHENECTADY, NY 12304-1446 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013203 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 4827/746 |
| Instrument | 201813203 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 28, 2020 |
| Property Address | 174 WARD AVE, SCHENECTADY, NY 12304-1446 |
| Document Number | 0000008449 |
| Book / Page | 2031 / 541 |
| Instrument Date | Feb 27, 2020 |
| Instrument | 202008449 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000008450 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 4975/567 |
| Instrument | 202008450 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2035 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 174 WARD AVE, SCHENECTADY, NY 12304-1446 |
| Document Number | 0000013206 |
| Instrument Date | Jan 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 22 LAUREL AVE SCHENECTADY NY 123041511, SCHENECTADY, NY 12304-1511 |
| Document Number | 0000013206 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 004827/000772 |
| Instrument | 13206 |
| Name | WELLS FARGO BK NW NA |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55467-8000 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 27, 2048 |
| Rate | 4.87% |
|---|
The 2026 property tax bill for 174 Ward Ave was $5,656, up 2.1% from the year before.
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 | $5,656.00 (+2.13%) | ||
| 2025 | $5,538.00 | $112,000 (-) Land $16,800 Building $95,200 | $185,461 (+13.35%) Land $27,819 Building $157,642 |
| 2024 | $112,000 (-) Land $16,800 Building $95,200 | $163,623 (+15.41%) Land $24,543 Building $139,080 | |
| 2023 | $112,000 (-) Land $16,800 Building $95,200 | $141,772 (+3.8%) Land $21,266 Building $120,506 | |
| 2022 | $112,000 Land $16,800 Building $95,200 | $136,585 Land $20,488 Building $116,097 | |
| 2021 | $5,301.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 174 Ward Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1980) |
| Most Recent Claim | Mar 1980 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 174 Ward Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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 531 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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