44 Bancker Ave, Schenectady, NY 12302 Property Records

Schenectady County and Glenville Town property record for 44 Bancker Ave, Schenectady, NY 12302

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,744 sqft · built 2003
Lot Size	2.59 acres (112,820 sqft)
Owner	2 Individual Names on File
Last Sale	$484,500 (May 2026)
Tax Bill	$9,050 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`422289 30.9-1-39`

Property Details

APN / Parcel Number

Primary APN	`422289 30.9-1-39`
Alternative APNs	`228903000900010390000000` `C04606`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,744 sqft Living Area
1st Floor Area	695 sqft
2nd Floor Area	1,049 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	112,820 sqft (2.59 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	C04606
Street Address	44 BANCKER AVE
City	SCHENECTADY
State	NY
Zip	12302-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	HLG CARVER REALTY L44
Legal Block	1
Legal Lot Number	39.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	4
Census Block	4013
Census Tract	32404

Owner

44 Bancker Ave is owned by two individuals who bought it in May 2026.

Source: Schenectady County and Glenville Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1278 VLEY RD, SCHENECTADY, NY 12302-6537
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage US MORTGAGE CORPORATION
Jan 13, 2026	Deed of Trust, Mortgage FIRST NATIONAL BANK OF SCOTIA
Nov 9, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Prior Sale	Apr 11, 2019 · Amount on File
Deed Document Number	202610367
Deed Book / Page	2171 / 699
Prior Transfer Date	Oct 12, 2018
Prior Transfer Doc	0000049692
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 5, 2026
Property Address	44 BANCKER AVE, SCHENECTADY, NY 12302-3124
Document Number	0000010367
Book / Page	2171 / 699
Instrument Date	Apr 23, 2026
Instrument	202610367
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	SMPR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195,738.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1278 VLEY RD, SCHENECTADY, NY 12302-6537

Mortgage

Document Number	0000010368,
Date	May 5, 2026
Instrument	202610368

Lender

Name	US MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	44 BANCKER AVE, SCHENECTADY, NY 12302-3124
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 BANCKER AVE, SCHENECTADY, NY 12302-3124

Mortgage

Document Number	0000000768
Date	Jan 13, 2026
Instrument	202600768

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Amount	Amount on Record
Term	179 Months
Due	Dec 17, 2040

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 9, 2018
Property Address	44 BANCKER AVE, SCHENECTADY, NY 12302-3124
Document Number	0000049692
Book / Page	001999 / 000649
Instrument Date	Oct 12, 2018
Instrument	49692
Transaction Type	Foreclosure
Record Updated	Nov 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,418.42
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	60 LIVINGSTON AVE ST PAUL MN 551072292, ST PAUL, MN 55107-2292
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 44 Bancker Ave was $9,050, up 0.3% from the year before.

Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Glenville Town
Unified School District	Scotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,050.00 (+0.28%)
2025	$9,025.00	$225,000 Land $40,400 Building $184,600	$409,091 Land $73,455 Building $335,636
2023		$225,000 Land $40,400 Building $184,600	$330,882 Land $59,412 Building $271,470

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 44 Bancker Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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.

Wildfire

Wildfire risk around 44 Bancker Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SCOTIA VILLAGE WATER WORKS serves 12,800 people · EPA ID NY4600071
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Jan 2021
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 296 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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