20 Cromer Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 20 Cromer Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 987 sqft · built 1920
Lot Size	0.146 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Jan 2019)
Tax Bill	$4,785 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.39-1-1`

Property Details

APN / Parcel Number

Primary APN	`421500 60.39-1-1`
Alternative APN	`150006003900010010000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	987 sqft Living Area
1st Floor Area	987 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	6,400 sqft (0.146 acres)
Lot Dimensions	160 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 CROMER AVE
City	SCHENECTADY
State	NY
Zip	12304-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	AGED AFFIDAVIT REQUIRED 1 WOOD AND GARAGE
Legal Subdivision	VAN ZANDT JR B 191 P 158
Legal Block	1
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1022
Census Tract	21801

Owner

Source: Schenectady County and Schenectady City assessment roll, APN 421500 60.39-1-1, as of 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	Individual Name on File
Mailing Address	20 CROMER AVE, SCHENECTADY, NY 12304-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 07, 2019 · Amount on Record
Deed Sale	Jan 07, 2019 · Amount on Record
Prior Sale	Jan 27, 2011 · Amount on Record
Deed Document Number	2019721
Deed Book / Page	2003 / 287
Record Updated	Jun 08, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 07, 2019
Property Address	20 CROMER AVE, SCHENECTADY, NY 12304-1812
Document Number	0000000721
Book / Page	002003 / 000287
Instrument Date	Dec 21, 2018
Instrument	721
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CROMER AVE SCHENECTADY NY 123041812, SCHENECTADY, NY 12304-1812

Mortgage

Document Number	723
Date	Jan 07, 2019
Book Page	004888/000001
Instrument	723

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 06, 2049

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll as of April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 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	$4,785.00 (+5.05%)	$93,600 (-) Land $16,900 Building $76,700	$154,993 (+30.82%) Land $27,985 Building $127,008
2023		$93,600 (-) Land $16,900 Building $76,700	$118,481 (+3.8%) Land $21,392 Building $97,089
2022		$93,600 Land $16,900 Building $76,700	$114,146 Land $20,610 Building $93,536
2021	$4,555.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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 98% of the US · lower than 97.9% 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, 514 locations within half a mile, 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

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4600070, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
Water Source	Groundwater
Lead	3 ppb (2023–2025) 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.