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38 Central Ave, Schenectady, NY 12304 Property Records

Schenectady County and Niskayuna Town property record for 38 Central Ave, Schenectady, NY 12304 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1930
Square Footage1,040 sqft Living Area
Lot Size16,553 sqft (0.38 acres)
OccupancyOwner Occupied
Last Sale$152,000 (2019)
Tax Bill$5,982.00 (2025)

Property Details

APN / Parcel Number

Primary APN422400 60.19-2-72
Alternative APN
  • 240006001900020720000000

Interior

Bedrooms2 Beds
Full Baths1 Baths
Total Rooms4 Rooms
Building Area1,040 sqft Living Area
1st Floor1,040 sqft 1st Floor
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Architectural StyleRanch Style
Exterior MaterialAluminum/Vinyl Exterior
Lot Area16,553 sqft (0.38 acres)
Depth X Width165 ft x 100 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeDetached Garage
Garage Area576 sqft Garage

Exterior Amenities

Pool Area612 sqft Pool
Shed1 Shed
Shed Area96 sqft Shed
Canopy Area200 sqft Canopy

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address38 CENTRAL AVE
CitySCHENECTADY
StateNY
Zip12304-4264
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal SubdivisionFAGANS LOCUST PARK
Legal Block2
Legal Lot Number72.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionNISKAYUNA
Census Blockgroup3
Census Block3009
Census Tract31902

Owner

Source: Schenectady County and Niskayuna Town records · APN 422400 60.19-2-72

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address38 CENTRAL AVE, SCHENECTADY, NY 12304-4264
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FLAGSTAR BANK FSB
Jun 03, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
PRIME LNDG
Mar 14, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 03, 2019 · Amount on Record
Deed SaleJun 03, 2019 · Amount on Record
Prior SaleMar 14, 2018 · Amount on Record
Deed Doc Number201924463
Deed Book / Page2012 / 210
Record RefreshedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address38 CENTRAL AVE, SCHENECTADY, NY 12304-4264
Transaction TypeMortgage
Record UpdatedMay 30, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address38 CENTRAL AVE, SCHENECTADY, NY 12304-4264

Mortgage

Document Number0000027579
DateJun 11, 2021
Book Page5109/603
Instrument202127579
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term336 Months
DueJun 01, 2049

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJun 03, 2019
Property Address38 CENTRAL AVE, SCHENECTADY, NY 12304-4264
Document Number0000024463
Book / Page002012 / 000210
Instrument DateMay 30, 2019
Instrument24463
Transaction TypeTransfer
Record UpdatedJun 24, 2019
Title CompanyNATIONAL TITLE AND ABSTRACT COMPANY, NATIONAL TITLE & ABS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$608.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 CANVASBACK RDG WATERFORD NY 121881042, WATERFORD, NY 12188-1042

Mortgage

Document Number24464
DateJun 03, 2019
Book Page004914/000826
Instrument24464
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 02, 2049

March 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateMar 14, 2018
Property Address38 CENTRAL AVE, SCHENECTADY, NY 12304-4264
Document Number0000011044
Book / Page001983 / 000116
Instrument DateMar 09, 2018
Instrument11044
Transaction TypeForeclosure
Record UpdatedMar 20, 2018

Transaction

AmountAmount Recorded
Tax$278.80
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1757 CENTRAL AVE SCHENECTADY NY 12305, SCHENECTADY, NY 12305

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionNiskayuna Town
Unified School DistrictSouth Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,982.00$168,000 (-) Land $41,700 Building $126,300$248,900 (+17.02%) Land $61,781 Building $187,119
2023$168,000 Land $41,700 Building $126,300$212,700 Land $52,795 Building $159,905

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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