Albany County and Colonie Town property record for 46 Bonner Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,154 sqft · built 1979 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $241,000 (Nov 2023) |
| Tax Bill | $5,754 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 16.7-2-49 |
| Primary APN | 012689 16.7-2-49 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,154 sqft Living Area |
| 1st Floor Area | 1,426 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 756 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01600700020490000000 |
|---|---|
| Street Address | 46 BONNER AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | PT OF LOTS 407-8-9-10 N-176 NUTWOOD AV E-35 S-111-80.1 |
| Legal Block | 2 |
| Legal Lot Number | 49.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 13803 |
46 Bonner Ave is owned and occupied by two individuals who bought it in November 2023.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 BONNER AVE, SCHENECTADY, NY 12304-4510 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed, Transfer · FHA Mortgage TRUSTCO BANK |
| Jan 11, 2019 | Deed of Trust, Mortgage WILLIAM E BARNES ETAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on File |
| Deed Sale | Nov 30, 2023 · Amount on File |
| Deed Document Number | 202321530 |
| Prior Transfer Date | Nov 22, 2023 |
| Prior Transfer Doc | 0000001530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 30, 2023 |
| Property Address | 46 BONNER AVE, SCHENECTADY, NY 12304-4510 |
| Document Number | 0000001530 |
| Instrument Date | Nov 22, 2023 |
| Instrument | R2023-21530 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Title Company | MARATHON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $964.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 46 BONNER AVE, SCHENECTADY, NY 12304-4510 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 BONNER AVE, SCHENECTADY, NY 12304-4510 |
| Document Number | 0000001531 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | R2023-21531 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 46 BONNER AVE, SCHENECTADY, NY 12304-4510 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000925 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | R2019-00925 |
| Name | WILLIAM E BARNES ETAL |
|---|---|
| Type | Private Party |
| Address | 46 BONNER AVE, SCHENECTADY, NY 12304 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 46 Bonner Ave was $5,754, down 3.5% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,754.00 (-3.49%) | ||
| 2025 | $5,962.00 | $124,500 Land $24,900 Building $99,600 | $284,900 Land $56,980 Building $227,920 |
| 2023 | $124,500 (-) Land $24,900 Building $99,600 | $244,100 (+9.31%) Land $48,820 Building $195,280 | |
| 2022 | $124,500 Land $24,900 Building $99,600 | $223,318 Land $44,664 Building $178,654 | |
| 2021 | $4,803.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Bonner Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 risk around 46 Bonner 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) 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 313 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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