Schenectady County and Schenectady City property record for 23 Cromer Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 735 sqft · built 1920 |
| Lot Size | 0.126 acres (5,510 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,000 (Mar 2025) |
| Tax Bill | $4,462 (2026) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage Jul 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.30-2-52 |
| Primary APN | 421500 60.30-2-52 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 735 sqft Living Area |
| 1st Floor Area | 735 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 5,510 sqft (0.126 acres) |
| Lot Dimensions | 145 ft deep x 38 ft wide |
| Porch | Slab |
| Porch Area | 107 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 CROMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 52.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 21801 |
Source: Schenectady County and Schenectady City 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 Record |
|---|---|
| Mailing Address | 709 W 30TH ST, WILMINGTON, DE 19802-2957 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2025 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 29, 2024 | Administrator's Deed, Transfer · Commercial Mortgage AMERISTAR FINANCIAL CORP |
| Mar 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2025 · Amount on Record |
| Deed Sale | Mar 27, 2025 · Amount on Record |
| Prior Sale | Jul 29, 2024 · Amount on Record |
| Deed Document Number | 20257386 |
| Prior Transfer Date | May 11, 2015 |
| Prior Transfer Doc | 0000020279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 27, 2025 |
| Property Address | 23 CROMER AVE, SCHENECTADY, NY 12304-1811 |
| Document Number | 0000007386 |
| Instrument Date | Mar 27, 2025 |
| Instrument | 202507386 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CAPITAL CITY TITLE AGENCY LLC, CAPITAL DIST TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $896.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1825 RANDOLPH RD, SCHENECTADY, NY 12308-2021 |
| Name | Verified Name |
|---|---|
| Address | 709 W 30TH ST, WILMINGTON, DE 19802-2957 |
| Document Number | 0000007387 |
|---|---|
| Date | Mar 27, 2025 |
| Instrument | 202507387 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2055 |
| Document Type | Administrator's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 29, 2024 |
| Property Address | 23 CROMER AVE, SCHENECTADY, NY 12304-1811 |
| Document Number | 0000044471 |
| Book / Page | 2134 / 588 |
| Instrument Date | Jul 25, 2024 |
| Instrument | 202444471 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $368.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 CROMER AVE, SCHENECTADY, NY 12304-1811 |
| Name | Verified Name |
|---|---|
| Address | 1825 RANDOLPH RD, SCHENECTADY, NY 12308-2021 |
| Investor | Possibly a Property Investor |
| Document Number | 0000044473 |
|---|---|
| Date | Jul 29, 2024 |
| Instrument | 202444473 |
| Name | AMERISTAR FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 23 CROMER AVE, SCHENECTADY, NY 12304-1811 |
| Document Number | 0000014220 |
| Instrument Date | Mar 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 CROMER AVE SCHENECTADY NY 123041811, SCHENECTADY, NY 12304-1811 |
| Document Number | 0000014220 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 004902/000710 |
| Instrument | 14220 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 1, 2029 |
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 | $4,462.00 (+2.5%) | ||
| 2025 | $4,353.00 (+5.27%) | $84,200 (-) Land $12,600 Building $71,600 | $139,427 (+30.82%) Land $20,864 Building $118,563 |
| 2023 | $84,200 (-) Land $12,600 Building $71,600 | $106,582 (+3.8%) Land $15,949 Building $90,633 | |
| 2022 | $84,200 Land $12,600 Building $71,600 | $102,683 Land $15,366 Building $87,317 | |
| 2021 | $4,135.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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.
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 514 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 · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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