230 Central Ave, Schenectady, NY 12304 Property Records

Schenectady County and Rotterdam Town property record for 230 Central Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,482 sqft · built 1940
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,781 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`422800 59.7-10-36`

Property Details

APN / Parcel Number

Primary APN	`422800 59.7-10-36`
Alternative APN	`280005900700100360000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	942 sqft
Upper Floors Area	540 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	230 CENTRAL AVE
City	SCHENECTADY
State	NY
Zip	12304-4702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	R,G2,2-ADD THOMPSN & SANDS - 38,39 4.-341-18
Legal Block	10
Legal Lot Number	36.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	ROTTERDAM
Census Block Group	1
Census Block	1006
Census Tract	32901

Owner

Source: Schenectady County and Rotterdam Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	230 CENTRAL AVE, SCHENECTADY, NY 12304-4702
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit BERKSHIRE BANK
Jan 8, 2021	Warranty Deed, Transfer LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	230 CENTRAL AVE, SCHENECTADY, NY 12304-4702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002618
Date	Jan 17, 2017
Book Page	4736/946
Instrument	201702618

Lender

Name	BERKSHIRE BANK
Type	Bank
Address	PITTSFIELD, MA 01201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 8, 2021
Property Address	230 CENTRAL AVE, SCHENECTADY, NY 12304-4702
Document Number	0000000822
Book / Page	002049 / 000652
Instrument Date	Dec 15, 2020
Instrument	822
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$70.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	230 CENTRAL AVE SCHENECTADY NY 123044702, SCHENECTADY, NY 12304-4702

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	$4,781.00	$130,000 (-) Land $8,400 Building $121,600	$200,000 (+16.89%) Land $12,923 Building $187,077
2023		$130,000 Land $8,400 Building $121,600	$171,100 Land $11,056 Building $160,044

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 96% of the US · lower than 95% 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 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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