176 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 176 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,262 sqft · built 1967
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Tax Bill	$4,808 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-15`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-15`
Alternative APN	`280005901600060150000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,262 sqft Living Area
1st Floor Area	1,262 sqft
Upper Floors Area	430 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
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

Exterior Amenities

Porch	Slab
Porch Area	150 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	176 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	15 R,G,SF,OG- VALENTINE MNR 5.-401-1
Legal Block	6
Legal Lot Number	15.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1012
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 59.16-6-15

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	176 E PALMER AVE, SCHENECTADY, NY 12303-2513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jan 19, 2015
Transfer Doc	0000004156
Record Updated	Jun 08, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 26, 2023
Property Address	176 E PALMER AVE, SCHENECTADY, NY 12303-2513
Document Number	0000054415
Book / Page	2116 / 449
Map Reference	CAB F MAP 269
Instrument Date	Sep 05, 2023
Instrument	202354415
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	EAGLE TITLE AND ABSTRACT, ELITE TITLE & ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44 SOUTHGATE RD, LOUDONVILLE, NY 12211-1107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SOCHA LN, SCHENECTADY, NY 12302-3807

Mortgage

Document Number	0000054416
Date	Sep 26, 2023
Instrument	202354416

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$4,808.00	$131,000 (-) Land $9,900 Building $121,100	$201,500 (+16.88%) Land $15,228 Building $186,272
2023		$131,000 (-) Land $9,900 Building $121,100	$172,400 (+9.25%) Land $13,029 Building $159,371
2022		$131,000 Land $9,900 Building $121,100	$157,800 Land $11,925 Building $145,875

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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.

Internet Providers

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.

Drinking Water

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

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 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.