1951 Tower Ave, Schenectady, NY 12304 Property Records

Schenectady County and Rotterdam Town property record for 1951 Tower Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,462 sqft · built 1950
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$246,000 (Nov 2024)
Tax Bill	$6,003 (2026)
Deeds & Mortgages	Nov 2024 Sale & Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.8-1-9`

Property Details

APN / Parcel Number

Primary APN	`422800 59.8-1-9`
Alternative APN	`280005900800010090000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,462 sqft Living Area
1st Floor Area	1,462 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	386 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1951 TOWER AVE
City	SCHENECTADY
State	NY
Zip	12304-4779
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,FP,PT 1.A-101-10
Legal Block	1
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1002
Census Tract	32901

Owner

1951 Tower Ave is owned by an individual who bought it in November 2024.

Source: Schenectady County and Rotterdam Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	465 SHANNON ST, SCHENECTADY, NY 12306-3125
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2024	Administrator's Deed, Transfer · Conventional Mortgage KEY BANK NA
May 24, 2019	Deed of Trust, Mortgage · ARM FIRST NEW YORK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2024 · Amount on File
Deed Sale	Nov 12, 2024 · Amount on File
Deed Document Number	202467858
Deed Book / Page	2141 / 647
Record Updated	Oct 29, 2026

November 2024: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 12, 2024
Property Address	1951 TOWER AVE, SCHENECTADY, NY 12304-4779
Document Number	0000067858
Book / Page	2141 / 647
Instrument Date	Oct 7, 2024
Instrument	202467858
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CATIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$984.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2052 CARELEON RD, SCHENECTADY, NY 12303-3080

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 SHANNON ST, SCHENECTADY, NY 12306-3125

Mortgage

Document Number	0000067859
Date	Nov 12, 2024
Instrument	202467859

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2054

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1951 TOWER AVE, SCHENECTADY, NY 12304-4779
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023035
Date	May 24, 2019
Book Page	4913/425
Instrument	201923035

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

The 2026 property tax bill for 1951 Tower Ave was $6,003, up 2% from the year before.

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	$6,003.00 (+2.01%)
2025	$5,885.00	$160,000 Land $11,900 Building $148,100	$246,200 Land $18,311 Building $227,889
2023		$160,000 Land $11,900 Building $148,100	$210,500 Land $15,656 Building $194,844

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

Flood

FEMA maps place 1951 Tower Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1951 Tower Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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.

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 369 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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