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18 Willow Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 18 Willow Ave, Schenectady, NY 12304 · Last verified April 2026

Property Summary

Property TypeTriplex
Details5 bd · 3 ba · 2,424 sqft · built 1910
Lot Size0.077 acres (3,395 sqft)
Owner2 Individual Names on File
Last Sale$34,950 (Jun 2016)
Tax Bill$3,289 (2025)
Deeds & MortgagesSep 2020 Loan Modification
Sep 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN421500 49.76-5-9

Property Details

APN / Parcel Number

Primary APN421500 49.76-5-9
Alternative APN
  • 150004907600050090000000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms12 Rooms
Stories2 Stories
Building Area2,424 sqft Total Area
1st Floor Area1,212 sqft
2nd Floor Area1,212 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area3,395 sqft (0.077 acres)
Lot Dimensions97 ft deep x 35 ft wide
PorchSlab
Porch Area456 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address18 WILLOW AVE
CitySCHENECTADY
StateNY
Zip12304-1405
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Legal Description2 WOOD
Legal SubdivisionMAP NO 3 OF LOTS
Legal Block5
Legal Lot Number9.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3006
Census Tract20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.76-5-9

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 Record2 Individual Names on File
Mailing Address18 WILLOW ST, SCHENECTADY, NY 12306-3625
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 01, 2020Loan Modification, Mortgage · Conventional Mortgage
SEFCU
Sep 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
SEFCU
Feb 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
SEFCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 28, 2016 · Amount on Record
Deed SaleJun 28, 2016 · Amount on Record
Prior SaleSep 01, 1995 · Amount on Record
Deed Document Number201627989
Deed Book / Page1940 / 325
Record UpdatedJun 08, 2026

September 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSCHENECTADY NY
Property Address18 WILLOW AVE, SCHENECTADY, NY 12304-1405
Document Number0000031817
Instrument DateSep 01, 2020
Transaction TypeMortgage
Record UpdatedOct 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 WILLOW AVE SCHENECTADY NY 123041405, SCHENECTADY, NY 12304-1405

Mortgage

Document Number0000031817
DateOct 14, 2020
Book Page005029/000434
Instrument31817
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 13, 2030
Interest
Rate2.7%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address18 WILLOW AVE, SCHENECTADY, NY 12304-1405
Document Number0000031816
Instrument DateSep 01, 2020
Transaction TypeMortgage
Record UpdatedOct 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 WILLOW AVE SCHENECTADY NY 123041405, SCHENECTADY, NY 12304-1405

Mortgage

Document Number0000031816
DateOct 14, 2020
Book Page005029/000419
Instrument31816
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 13, 2030

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address18 WILLOW AVE, SCHENECTADY, NY 12304-1405
Document Number0000010507
Instrument DateFeb 20, 2019
Transaction TypeMortgage
Record UpdatedMar 28, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address18 WILLOW AVE SCHENECTADY NY 123041405, SCHENECTADY, NY 12304-1405

Mortgage

Document Number0000010507
DateMar 12, 2019
Book Page004898/000891
Instrument10507
Lender
NameSEFCU
TypeCredit Union
AddressALBANY, NY 12206
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term84 Months
DueMar 11, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$3,289.00 (-7.92%)$96,900 (-) Land $14,500 Building $82,400$160,457 (+30.82%) Land $24,011 Building $136,446
2023$96,900 (-) Land $14,500 Building $82,400$122,658 (+3.8%) Land $18,354 Building $104,304
2022$96,900 Land $14,500 Building $82,400$118,171 Land $17,683 Building $100,488
2021$3,572.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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