Schenectady County and Schenectady City property record for 43 Willow Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,261 sqft · built 1910 |
| Lot Size | 0.082 acres (3,584 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Apr 2022) |
| Tax Bill | $3,604 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-5-46 |
| Primary APN | 421500 49.68-5-46 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,261 sqft Living Area |
| 1st Floor Area | 663 sqft |
| 2nd Floor Area | 598 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,584 sqft (0.082 acres) |
| Lot Dimensions | 112 ft deep x 32 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 201 sqft |
| Porch | Slab |
| Porch Area | 287 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 43 WILLOW AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 5 |
| Legal Lot Number | 46.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20700 |
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 | 43 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2026 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Apr 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2022 · Amount on Record |
| Deed Sale | Apr 28, 2022 · Amount on Record |
| Deed Document Number | 202222528 |
| Deed Book / Page | 2083 / 705 |
| Prior Transfer Date | Apr 14, 2022 |
| Prior Transfer Doc | 0000022528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 43 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 43 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Document Number | 0000005320 |
|---|---|
| Date | Mar 13, 2026 |
| Instrument | 202605320 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 28, 2022 |
| Property Address | 43 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Document Number | 0000022528 |
| Book / Page | 2083 / 705 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 202222528 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | AMTRUST TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 1037 THEODORE RD, SCHENECTADY, NY 12303-3374 |
| Name | Verified Name |
|---|---|
| Address | 43 WILLOW AVE, SCHENECTADY, NY 12304-1404 |
| Document Number | 0000022540 |
|---|---|
| Date | Apr 28, 2022 |
| Book Page | 5222/847 |
| Instrument | 202222540 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $3,604.00 (+2.91%) | ||
| 2025 | $3,502.00 (+30.62%) | $63,400 (-) Land $9,500 Building $53,900 | $104,984 (+30.82%) Land $15,731 Building $89,253 |
| 2023 | $63,400 (-) Land $9,500 Building $53,900 | $80,253 (+3.8%) Land $12,025 Building $68,228 | |
| 2022 | $63,400 Land $9,500 Building $53,900 | $77,317 Land $11,585 Building $65,732 | |
| 2021 | $2,681.00 |
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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