Schenectady County and Schenectady City property record for 25 Tower Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,641 sqft · built 1900 |
| Lot Size | 0.803 acres (34,980 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $108,900 (May 2015) |
| Tax Bill | $5,981 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jan 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 59.28-1-3 |
| Primary APN | 421500 59.28-1-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,641 sqft Living Area |
| 1st Floor Area | 957 sqft |
| 2nd Floor Area | 684 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 34,980 sqft (0.803 acres) |
| Lot Dimensions | 265 ft deep x 132 ft wide |
| Garage Type | Detached |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 90 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 25 TOWER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 33 34 P/O 35 & A 2 WOOD AND SHED |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Jan 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 9, 2018 | Deed of Trust, Mortgage · Line of Credit SEFCU |
| Mar 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Mar 8, 2017 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2015 · Amount on Record |
| Deed Sale | May 5, 2015 · Amount on Record |
| Prior Sale | May 5, 2015 · Amount on Record |
| Deed Book / Page | 1913 / 885 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000039287 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | 5316/119 |
| Instrument | 202339287 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 9, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000004957 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 5195/910 |
| Instrument | 202204957 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000032238 |
| Instrument Date | Jul 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 25 TOWER AVE SCHENECTADY NY 123043208, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000032238 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 004852/000339 |
| Instrument | 32238 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 22, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000017307 |
| Instrument Date | Mar 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 25 TOWER AVE SCHENECTADY NY 123043208, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000017307 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 004755/000708 |
| Instrument | 17307 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410-8000 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 25 TOWER AVE, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000018632 |
| Instrument Date | Mar 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 25 TOWER AVE SCHENECTADY NY 123043208, SCHENECTADY, NY 12304-3208 |
| Document Number | 0000018632 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 004756/000896 |
| Instrument | 18632 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
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 |
|---|---|---|---|
| 2025 | $5,981.00 (+5%) | $115,900 (-) Land $17,400 Building $98,500 | $191,919 (+30.82%) Land $28,813 Building $163,106 |
| 2023 | $115,900 (-) Land $17,400 Building $98,500 | $146,709 (+3.8%) Land $22,025 Building $124,684 | |
| 2022 | $115,900 Land $17,400 Building $98,500 | $141,341 Land $21,219 Building $120,122 | |
| 2021 | $5,696.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97% of the US · lower than 96% 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.
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 176 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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