2198 Central Ave, Schenectady, NY 12304 Property Records

Albany County and Colonie Town property record for 2198 Central Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1934
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jul 2013)
Tax Bill	$3,226 (2026)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 16.7-7-24`

Property Details

APN / Parcel Number

Primary APN	`012689 16.7-7-24`
Alternative APNs	`268901600700070240000000` `01600700070240000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	972 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	6,534 sqft (0.15 acres)

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01600700070240000000
Street Address	2198 CENTRAL AVE
City	SCHENECTADY
State	NY
Zip	12304-4482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	N-CENTRAL AV E-2196 S-45-22
Legal Subdivision	BUILDING LOTS AT UPLANDS
Legal Block	7
Legal Lot Number	24.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2017
Census Tract	13803

Owner

Source: Albany County and Colonie Town 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	5 LOMBARD ST, SCHENECTADY, NY 12304-2547
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2013 · Amount on Record
Deed Sale	Jul 2, 2013 · Amount on Record
Prior Sale	Jun 15, 1998 · Amount on Record
Deed Document Number	201311428480
Deed Book / Page	3070 / 390
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Sep 14, 2020
Property Address	2198 CENTRAL AVE, SCHENECTADY, NY 12304-4482
Document Number	0000020066
Instrument Date	Jul 16, 2020
Instrument	20066
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	OLD REPUBLIC TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 LOMBARD ST SCHENECTADY NY 123042547, SCHENECTADY, NY 12304-2547

Mortgage

Document Number	20067
Date	Sep 14, 2020
Instrument	20067

Lender

Name	BANK OF GREENE CNTY
Type	Bank
Address	341 MAIN ST, CATSKILL, NY 12414-1420

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 13, 2040

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,226.00 (-6.52%)
2025	$3,451.00 (+12.78%)	$68,500 (-) Land $17,100 Building $51,400	$156,800 (+16.75%) Land $39,143 Building $117,657
2023		$68,500 (-) Land $17,100 Building $51,400	$134,300 (+9.3%) Land $33,526 Building $100,774
2022		$68,500 Land $17,100 Building $51,400	$122,870 Land $30,673 Building $92,197
2021	$3,060.00

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 March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Mar 2024 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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 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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) 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 192 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

May also be available: T-Mobile.

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