44 Kelton Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 44 Kelton Ave, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,421 sqft · built 1900
Lot Size	0.075 acres (3,267 sqft)
Owner	Individual Name on File
Tax Bill	$4,739 (2026)
Deeds & Mortgages	Jun 2024 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.50-5-46`

Property Details

APN / Parcel Number

Primary APN	`421500 49.50-5-46`
Alternative APN	`150004905000050460000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,421 sqft Total Area
1st Floor Area	1,200 sqft
2nd Floor Area	1,221 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,267 sqft (0.075 acres)
Lot Dimensions	99 ft deep x 33 ft wide
Porch	Slab
Porch Area	356 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	44 KELTON AVE
City	SCHENECTADY
State	NY
Zip	12304-2617
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
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	1
Census Block	1002
Census Tract	21700

Owner

44 Kelton Ave, a duplex, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	44 KELTON AVE, SCHENECTADY, NY 12304-2617
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 26, 2024	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Jan 7, 2021	Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	44 KELTON AVE, SCHENECTADY, NY 12304-2617
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 KELTON AVE, SCHENECTADY, NY 12304-2617

Mortgage

Document Number	0000038376
Date	Jun 26, 2024
Book Page	5381/575
Instrument	202438376

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	44 KELTON AVE, SCHENECTADY, NY 12304-2617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NTA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 KELTONAVE, SCHENECTADY, NY 12304-2617

Mortgage

Document Number	0000000687
Date	Jan 7, 2021
Book Page	5057/128
Instrument	202100687

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 44 Kelton Ave was $4,739, up 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,739.00 (+4.09%)
2025	$4,553.00	$68,100 Land $10,200 Building $57,900	$112,767 Land $16,890 Building $95,877
2023		$68,100 (-) Land $10,200 Building $57,900	$86,203 (+3.8%) Land $12,911 Building $73,292
2022		$68,100 Land $10,200 Building $57,900	$83,049 Land $12,439 Building $70,610
2021	$4,164.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Wildfire

The area around 44 Kelton Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 924 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

May also be available: T-Mobile.

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