1881 Tower Ave, Schenectady, NY 12304 Property Records

Schenectady County and Rotterdam Town property record for 1881 Tower Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,544 sqft · built 1940
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Sep 2023)
Tax Bill	$4,928 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.8-1-20`

Property Details

APN / Parcel Number

Primary APN	`422800 59.8-1-20`
Alternative APN	`280005900800010200000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	997 sqft
Upper Floors Area	547 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1881 TOWER AVE
City	SCHENECTADY
State	NY
Zip	12304-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G WALLARD #2-13, PT 14 5.-351-5
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1000
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records · APN 422800 59.8-1-20

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	1881 TOWER AVE, SCHENECTADY, NY 12304-3210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Jan 07, 2004 · Amount on Record
Deed Document Number	202353311
Deed Book / Page	2116 / 240
Prior Transfer Date	Nov 30, 2004
Prior Transfer Doc	0016940410
Record Updated	Jun 08, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 20, 2023
Property Address	1881 TOWER AVE, SCHENECTADY, NY 12304-3210
Document Number	0000053311
Book / Page	2116 / 240
Instrument Date	Jul 19, 2023
Instrument	202353311
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	378 FAYVILLE RD, GALWAY, NY 12074-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1881 TOWER AVE, SCHENECTADY, NY 12304-3210

Mortgage

Document Number	0000053312
Date	Sep 20, 2023
Instrument	202353312

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 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	$4,928.00	$134,000 (-) Land $6,000 Building $128,000	$206,200 (+16.96%) Land $9,233 Building $196,967
2023		$134,000 Land $6,000 Building $128,000	$176,300 Land $7,894 Building $168,406

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 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 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 176 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.