224 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 224 E Palmer Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,183 sqft · built 1965
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Dec 2013)
Tax Bill	$5,322 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-3`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-3`
Alternative APN	`280005901600060030000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,183 sqft Living Area
1st Floor Area	1,183 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	240 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	390 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	224 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G,HSF,OG VALENTINE MNR-3 5.-400-14
Legal Subdivision	MAP 1 BENJANIN VALENTINE MANOR
Legal Block	6
Legal Lot Number	3.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1012
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records, as of August 12, 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	224 E PALMER AVE, SCHENECTADY, NY 12303-2540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2013 · Amount on Record
Deed Sale	Dec 3, 2013 · Amount on Record
Deed Document Number	201352708
Deed Book / Page	1886 / 510
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 5, 2026
Property Address	224 E PALMER AVE, SCHENECTADY, NY 12303-2540
Document Number	0000017481
Instrument Date	Jul 29, 2026
Instrument	202617481
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E PALMER AVE, SCHENECTADY, NY 12303-2540

Mortgage

Document Number	0000017481,
Date	Aug 5, 2026
Instrument	202617481

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.43%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	224 E PALMER AVE, SCHENECTADY, NY 12303-2540
Document Number	0000027506
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 E PALMER AVE SCHENECTADY NY 123032540, SCHENECTADY, NY 12303-2540

Mortgage

Document Number	0000027506
Date	Sep 15, 2020
Book Page	005021/000039
Instrument	27506

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 14, 2030

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	$5,322.00	$145,000 (-) Land $17,600 Building $127,400	$223,100 (+16.93%) Land $27,080 Building $196,020
2023		$145,000 Land $17,600 Building $127,400	$190,800 Land $23,159 Building $167,641

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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