Schenectady County and Schenectady City property record for 248 Ward Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,134 sqft · built 1975 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $68,000 (Jun 1999) |
| Tax Bill | $5,858 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jul 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.70-1-43.3 |
| Primary APN | 421500 50.70-1-43.3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,134 sqft Living Area |
| 1st Floor Area | 996 sqft |
| Upper Floors Area | 138 sqft |
| Attic | Attic |
| Attic Area | 138 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 248 WARD AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PT OF 389-391 1 WOOD & GAR |
| Legal Block | 1 |
| Legal Lot Number | 43.003 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 20700 |
248 Ward Ave is owned and occupied by two individuals who bought it in June 1999.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 248 WARD AVE, SCHENECTADY, NY 12304-1438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 28, 2023 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Jul 19, 2017 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jul 19, 2017 | Loan Modification, Consolidation and Extension, Mortgage TRUSTCO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 1999 · Amount on File |
| Deed Sale | Jun 30, 1999 · Amount on File |
| Deed Book / Page | 1559 / 67 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 248 WARD AVE, SCHENECTADY, NY 12304-1438 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 248 WARD AVE, SCHENECTADY, NY 12304-1438 |
| Document Number | 0000037540 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 5313/460 |
| Instrument | 202337540 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 8, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 248 WARD AVE, SCHENECTADY, NY 12304-1438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032235 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 4774/045 |
| Instrument | 201732235 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount on Record |
|---|
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 19, 2017 |
| Property Address | 248 WARD AVE, SCHENECTADY, NY 12304-1438 |
| Book / Page | 004774 / 000051 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 32237 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 248 WARD AVE SCHENECTADY NY 123041438, SCHENECTADY, NY 12304-1438 |
| Document Number | 0000032237 |
|---|---|
| Date | Jul 19, 2017 |
| Book Page | 004774/000051 |
| Instrument | 32237 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 248 Ward Ave was $5,858 with a homeowner's exemption, up 3.1% from the year before.
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 | $5,858.00 (+3.06%) Homeowner's exemption | ||
| 2025 | $5,684.00 | $127,100 Land $19,100 Building $108,000 | $210,465 Land $31,628 Building $178,837 |
| 2023 | $127,100 (-) Land $19,100 Building $108,000 | $160,886 (+3.8%) Land $24,177 Building $136,709 | |
| 2022 | $127,100 Land $19,100 Building $108,000 | $155,000 Land $23,293 Building $131,707 | |
| 2021 | $5,303.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 248 Ward Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 Claims | 2 (1980) |
| Most Recent Claim | Mar 1980 · rainfall accumulation |
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 risk around 248 Ward Ave is low, with less than a 0.01% annual chance of 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.
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 531 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures