41 Covington Ave, Schenectady, NY 12304 Property Records

Albany County and Colonie Town property record for 41 Covington Ave, Schenectady, NY 12304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,582 sqft · built 1994
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$454,000 (Jul 2026)
Tax Bill	$5,805 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`012689 16.7-5-54.1`

Property Details

APN / Parcel Number

Primary APN	`012689 16.7-5-54.1`
Alternative APNs	`268901600700050540010000` `01600700050540010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,582 sqft Living Area
1st Floor Area	826 sqft
2nd Floor Area	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	528 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01600700050540010000
Street Address	41 COVINGTON AVE
City	SCHENECTADY
State	NY
Zip	12304-4362
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 40, 41 & 42 N-27 E-COVINGTON AV S-79-90
Legal Block	5
Legal Lot Number	54.001
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	3
Census Block	3011
Census Tract	13803

Owner

Source: Albany County and Colonie Town records · APN 012689 16.7-5-54.1

Assessment roll updated March 17, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	907 ARROWHEAD DR S, 907, SCHENECTADY, NY 12302-3520
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 07, 2026	Warranty Deed, Transfer · Conventional Mortgage JET DIRECT FUNDING
Jul 07, 2026	Correction Deed, Transfer NONE LISTED ON DOCUMENT
Jul 28, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Jan 08, 2018	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 07, 2026 · Amount on Record
Deed Sale	Jul 07, 2026 · Amount on Record
Prior Sale	Jan 08, 2018 · Amount on Record
Deed Document Number	202612676
Prior Transfer Date	Jun 19, 2026
Prior Transfer Doc	0000012675
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 07, 2026
Property Address	41 COVINGTON AVE, SCHENECTADY, NY 12304-4362
Document Number	0000012676
Instrument Date	Jun 25, 2026
Instrument	202612676
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$183,416.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000012677,
Date	Jul 07, 2026
Instrument	202612677

Lender

Name	JET DIRECT FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 07, 2026
Property Address	41 COVINGTON AVE, SCHENECTADY, NY 12304-4362
Document Number	0000012675
Instrument Date	Jun 19, 2026
Instrument	202612675
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	41 COVINGTON AVE, SCHENECTADY, NY 12304-4362
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017636
Date	Jul 28, 2017
Instrument	R2017-17636

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jan 08, 2018
Property Address	41 COVINGTON AVE, SCHENECTADY, NY 12304-4362
Document Number	0000000604
Map Reference	MB36 MAP554
Instrument Date	Jan 05, 2018
Instrument	R2018-00604
Transaction Type	Transfer
Record Updated	Apr 07, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 COVINGTON AVE, 4, SCHENECTADY, NY 12304-4363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CATLYN CT, DELMAR, NY 12054-9656

Mortgage

Document Number	0000000605
Date	Jan 08, 2018
Instrument	R2018-00605

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2048

Tax Assessment & Valuation

Source: Albany County and Colonie Town records · Assessment roll updated March 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,805.00 (+12.15%)	$121,000 (-) Land $24,200 Building $96,800	$276,900 (+16.69%) Land $55,380 Building $221,520
2023		$121,000 (-) Land $24,200 Building $96,800	$237,300 (+9.33%) Land $47,460 Building $189,840
2022		$121,000 Land $24,200 Building $96,800	$217,040 Land $43,408 Building $173,632
2021	$5,176.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010138033, refreshed September 2026 · 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
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 313 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
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, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Covington Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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