Schenectady County and Schenectady City property record for 42 Willow Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,490 sqft · built 1910 |
| Lot Size | 0.071 acres (3,104 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,000 (Dec 2017) |
| Tax Bill | $5,657 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-5-15 |
| Primary APN | 421500 49.76-5-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 818 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,104 sqft (0.071 acres) |
| Lot Dimensions | 97 ft deep x 32 ft wide |
| Garage Type | Detached |
| Garage Area | 180 sqft |
| Porch | Porch |
| Porch Area | 84 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 42 WILLOW AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | S P H CLUTE |
| Legal Block | 5 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 42 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2023 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Aug 7, 2023 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Aug 15, 2018 | Deed of Trust, Mortgage · Line of Credit ADIRONDACK TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2017 · Amount on Record |
| Deed Sale | Dec 22, 2017 · Amount on Record |
| Deed Document Number | 201757766 |
| Deed Book / Page | 1978 / 52 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 7, 2023 |
| Property Address | 42 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000044435 |
| Book / Page | 2113 / 148 |
| Instrument Date | Jun 12, 2023 |
| Instrument | 202344435 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $732.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 DOORSTONE DR S, LATHAM, NY 12110-3700 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1092 GLENWOOD BLVD, SCHENECTADY, NY 12308-2910 |
| Investor | Possibly a Property Investor |
| Document Number | 0000044436 |
|---|---|
| Date | Aug 7, 2023 |
| Instrument | 202344436 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 7, 2023 |
| Property Address | 42 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000044435 |
| Book / Page | 2113 / 148 |
| Instrument Date | Jun 12, 2023 |
| Instrument | 202344435 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $732.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 DOORSTONE DR S, LATHAM, NY 12110-3700 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1092 GLENWOOD BLVD, SCHENECTADY, NY 12308-2910 |
| Investor | Possibly a Property Investor |
| Document Number | 0000044436 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 5321/356 |
| Instrument | 202344436 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 42 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000038004 |
| Instrument Date | Aug 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10 SWATLING RD LATHAM NY 121105436, LATHAM, NY 12110-5436 |
| Document Number | 0000038004 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 004860/000095 |
| Instrument | 38004 |
| Name | ADIRONDACK TRUST CO |
|---|---|
| Address | SARATOGA SPRINGS, NY 12866 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 23, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $5,657.00 (+17.56%) | $112,600 (+14.9%) Land $14,700 Building $97,900 | $186,455 (+50.31%) Land $24,342 Building $162,113 |
| 2023 | $98,000 (-) Land $14,700 Building $83,300 | $124,051 (+3.8%) Land $18,608 Building $105,443 | |
| 2022 | $98,000 Land $14,700 Building $83,300 | $119,512 Land $17,927 Building $101,585 | |
| 2021 | $4,812.00 |
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 | Not rated no burnable land within 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 639 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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