181 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 181 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,528 sqft · built 1966
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Company Names on Record
Last Sale	$175,000 (Mar 2018)
Tax Bill	$5,972 (2026)
Deeds & Mortgages	May 2026 Transfer Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-5-5`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-5-5`
Alternative APN	`280005901600050050000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,528 sqft
Upper Floors Area	444 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
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	364 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	60 sqft
Greenhouse	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	181 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	R,G,BF,OG-L,ENCPT,TLSH VALENTINE MNR-51 5.-402-12
Legal Subdivision	MAP 1 BENJAMIN VALENTINE MANOR
Legal Block	5
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1018
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town 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	2 Company Names on Record
Mailing Address	1790 FIERO AVE, SCHENECTADY, NY 12303-3909
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 9, 2018	Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Deed Document Number	201810323
Deed Book / Page	1982 / 780
Last Transfer Date	Mar 31, 2026
Transfer Doc	0000010578
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 6, 2026
Property Address	181 E PALMER AVE, SCHENECTADY, NY 12303-2538
Document Number	0000010578
Book / Page	2171 / 817
Instrument Date	Mar 31, 2026
Instrument	202610578
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1790 FIERO AVE, SCHENECTADY, NY 12303-3909

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 9, 2018
Property Address	181 E PALMER AVE, SCHENECTADY, NY 12303-2538
Document Number	0000010323
Book / Page	1982 / 780
Instrument Date	Feb 10, 2018
Instrument	201810323
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4607 NW 53RD AVE # AVEB6, 4607, GAINESVILLE, FL 32653-4857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 S GATE DR, POUGHKEEPSIE, NY 12601-5638

Mortgage

Document Number	0000010327
Date	Mar 9, 2018
Instrument	201810327

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2033

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,972.00 (+1.7%)
2025	$5,872.00	$160,000 (-) Land $9,900 Building $150,100	$246,200 (+16.96%) Land $15,234 Building $230,966
2023		$160,000 Land $9,900 Building $150,100	$210,500 Land $13,025 Building $197,475

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 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

May also be available: T-Mobile.

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