Schenectady County and Schenectady City property record for 4 Cromer Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,257 sqft · built 1955 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,700 (Jan 2025) |
| Tax Bill | $6,705 (2026) |
| Deeds & Mortgages | Jan 2025 Sale & Mortgage Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.39-1-35 |
| Primary APN | 421500 60.39-1-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,257 sqft Living Area |
| 1st Floor Area | 1,026 sqft |
| Upper Floors Area | 231 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 160 ft deep x 58 ft wide |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 300 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 CROMER AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PARCEL 2 1 BRICK AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 21801 |
Source: Schenectady County and Schenectady City records, as of September 23, 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 | 4 CROMER AVE, SCHENECTADY, NY 12304-1812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2025 | Warranty Deed, Transfer · FHA Mortgage M & T BANK |
| Apr 28, 2022 | Deed, Transfer · Stand-Alone First Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Prior Sale | Apr 28, 2022 · Amount on Record |
| Deed Document Number | 20251859 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 24, 2025 |
| Property Address | 4 CROMER AVE, SCHENECTADY, NY 12304-1812 |
| Document Number | 0000001859 |
| Instrument Date | Jan 9, 2025 |
| Instrument | 202501859 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $804.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 VAN RYN AVE, SCHENECTADY, NY 12304-1915 |
| Name | Verified Name |
|---|---|
| Address | 4 CROMER AVE, SCHENECTADY, NY 12304-1812 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001860 |
|---|---|
| Date | Jan 24, 2025 |
| Instrument | 202501860 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 28, 2022 |
| Property Address | 4 CROMER AVE, SCHENECTADY, NY 12304-1812 |
| Document Number | 0000022312 |
| Book / Page | 2083 / 651 |
| Instrument Date | Apr 27, 2022 |
| Instrument | 202222312 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2023 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 CROMER AVE, SCHENECTADY, NY 12304-1812 |
| Name | Verified Name |
|---|---|
| Address | 109 VAN RYN AVE, SCHENECTADY, NY 12304-1915 |
| Document Number | 0000022313 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | 202222313 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,705.00 (+1.88%) | ||
| 2025 | $6,581.00 (+15.44%) | $134,000 (-) Land $20,100 Building $113,900 | $221,891 (+30.82%) Land $33,284 Building $188,607 |
| 2023 | $134,000 (-) Land $20,100 Building $113,900 | $169,620 (+3.8%) Land $25,443 Building $144,177 | |
| 2022 | $134,000 Land $20,100 Building $113,900 | $163,415 Land $24,512 Building $138,903 | |
| 2021 | $5,701.00 |
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 98% of the US · lower than 97.9% 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 514 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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