Schenectady County and Schenectady City property record for 195 Clement Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,248 sqft · built 2003 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,500 (Mar 2017) |
| Tax Bill | $5,290 (2026) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.63-2-32 |
| Primary APN | 421500 60.63-2-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 624 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 318 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 195 CLEMENT AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 5 6 PARTS OF EACH 2 WOOD |
| Legal Subdivision | COLONIAL HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 32.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 195 CLEMENT AVE, SCHENECTADY, NY 12304-4040 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2017 · Amount on Record |
| Deed Sale | Mar 16, 2017 · Amount on Record |
| Prior Sale | Jun 5, 2002 · Amount on Record |
| Deed Document Number | 201711871 |
| Deed Book / Page | 1958 / 860 |
| Prior Transfer Date | Dec 6, 2000 |
| Prior Transfer Doc | 1592000050 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 16, 2017 |
| Property Address | 195 CLEMENT AVE, SCHENECTADY, NY 12304-4040 |
| Document Number | 0000011871 |
| Book / Page | 001958 / 000860 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 11871 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2017 |
| Title Company | NEW YORK ABSTRACT SERVICES INC, NEW YORK ABSTRACT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 199 CLEMENT AVE SCHENECTADY NY 123044040, SCHENECTADY, NY 12304-4040 |
| Document Number | 11872 |
|---|---|
| Date | Mar 16, 2017 |
| Book Page | 004749/000065 |
| Instrument | 11872 |
| Name | FM HM LOANS |
|---|---|
| Address | BROOKLYN, NY 11210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 15, 2047 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,290.00 (+2.14%) | ||
| 2025 | $5,179.00 (+6%) | $94,000 (-) Land $20,300 Building $73,700 | $155,655 (+30.82%) Land $33,615 Building $122,040 |
| 2023 | $94,000 (-) Land $20,300 Building $73,700 | $118,987 (+3.8%) Land $25,696 Building $93,291 | |
| 2022 | $94,000 Land $20,300 Building $73,700 | $114,634 Land $24,756 Building $89,878 | |
| 2021 | $4,886.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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