193 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 193 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1968
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$94,500 (Jul 1998)
Tax Bill	$6,643 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-5-2`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-5-2`
Alternative APN	`280005901600050020000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,584 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Composition/Composite
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Basement
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	193 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,FP VALENTINE MNR-48 5.-402-9
Legal Subdivision	MAP 1 BENJAMIN VALENTINE MANOR
Legal Block	5
Legal Lot Number	2.000
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 April 14, 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 Record
Mailing Address	193 E PALMER AVE, SCHENECTADY, NY 12303-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 16, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 1998 · Amount on Record
Deed Sale	Jul 24, 1998 · Amount on Record
Deed Book / Page	1540 / 159
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	193 E PALMER AVE, SCHENECTADY, NY 12303-2538
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 E PALMER AVE, SCHENECTADY, NY 12303-2538

Mortgage

Document Number	0000006350
Date	Feb 7, 2022
Book Page	5198/804
Instrument	202206350

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	193 E PALMER AVE, SCHENECTADY, NY 12303-2538
Document Number	0000023738
Book / Page	004763 / 000028
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jun 5, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	193 E PALMER AVE SCHENECTADY NY 123032538, SCHENECTADY, NY 12303-2538

Mortgage

Document Number	0000023738
Date	May 30, 2017
Book Page	004763/000028
Instrument	23738

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2047

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
2025	$6,643.00	$181,000 (-) Land $10,400 Building $170,600	$278,500 (+16.92%) Land $16,002 Building $262,498
2023		$181,000 Land $10,400 Building $170,600	$238,200 Land $13,687 Building $224,513

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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