232 E Palmer Ave, Schenectady, NY 12303 Property Records

Schenectady County and Rotterdam Town property record for 232 E Palmer Ave, Schenectady, NY 12303 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,260 sqft · built 1964
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Feb 2025)
Tax Bill	$5,689 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422800 59.16-6-1`

Property Details

APN / Parcel Number

Primary APN	`422800 59.16-6-1`
Alternative APN	`280005901600060010000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	306 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	50 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	232 E PALMER AVE
City	SCHENECTADY
State	NY
Zip	12303-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 R,G,BKF,OG VALENTINE MNR 5.-400-12
Legal Subdivision	MAP BENJAMIN VALENTINE MANOR
Legal Block	6
Legal Lot Number	1.000
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 · APN 422800 59.16-6-1

Assessment roll updated April 14, 2026 · Last verified June 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	2475 BROOKSHIRE DR, SCHENECTADY, NY 12309-2801
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Feb 13, 2025	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Mar 20, 2020	Deed of Trust, Transfer · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 13, 2025 · Amount on Record
Deed Sale	Feb 13, 2025 · Amount on Record
Prior Sale	Apr 22, 2020 · Amount on Record
Deed Document Number	20253409
Deed Book / Page	2144 / 268
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	232 E PALMER AVE, SCHENECTADY, NY 12303-2540
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 E PALMER AVE, SCHENECTADY, NY 12303-2540

Mortgage

Document Number	0000051689
Date	Sep 28, 2022
Book Page	5260/263
Instrument	202251689

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 27, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 13, 2025
Property Address	232 E PALMER AVE, SCHENECTADY, NY 12303-2540
Document Number	0000003409
Instrument Date	Feb 13, 2025
Instrument	202503409
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 E PALMER AVE, SCHENECTADY, NY 12303-2540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2475 BROOKSHIRE DR, SCHENECTADY, NY 12309-2801

Mortgage

Document Number	0000003410
Date	Feb 13, 2025
Instrument	202503410

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	232 E PALMER AVE, SCHENECTADY, NY 12303-2540
Document Number	0000012548
Instrument Date	Mar 20, 2020
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	SMPR TITLE AGENCY INC

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 N ALANDALE AVE SCHENECTADY NY 123044202, SCHENECTADY, NY 12304-4202

Mortgage

Document Number	0000012548
Date	Apr 22, 2020
Book Page	004983/000880
Instrument	12548

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2050

Tax Assessment & Valuation

Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified June 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,689.00	$155,000 (-) Land $20,700 Building $134,300	$238,500 (+16.97%) Land $31,851 Building $206,649
2023		$155,000 Land $20,700 Building $134,300	$203,900 Land $27,231 Building $176,669

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 7% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 362 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Greenlight Networks Holding	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on E Palmer Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures