46 Kelton Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 46 Kelton Ave, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,290 sqft · built 1900
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Feb 2004)
Tax Bill	$4,864 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.50-5-47`

Property Details

APN / Parcel Number

Primary APN	`421500 49.50-5-47`
Alternative APN	`150004905000050470000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,290 sqft Total Area
1st Floor Area	1,145 sqft
2nd Floor Area	1,145 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	363 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 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 AND GARAGE
Legal Block	5
Legal Lot Number	47.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1002
Census Tract	21700

Owner

46 Kelton Ave, a duplex, is owned by an individual who bought it in February 2004.

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

Owner of Record	Individual Name on File
Mailing Address	2781 POND PL, BRONX, NY 10458-3679
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
Mar 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Mar 21, 2024	Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2004 · Amount on File
Deed Sale	Feb 24, 2004 · Amount on File
Prior Sale	Apr 1, 1993 · Amount on File
Deed Book / Page	1672 / 698
Prior Transfer Date	Jan 4, 2004
Prior Transfer Doc	0016720698
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	46 KELTON AVE, SCHENECTADY, NY 12304-2617
Transaction Type	Mortgage
Record Updated	Apr 5, 2024
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 POND PL 1, 1, BRONX, NY 10458-3679

Mortgage

Document Number	0000017187
Date	Mar 21, 2024
Book Page	5363/969
Instrument	202417187

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 21, 2024
Property Address	46 KELTON AVE, SCHENECTADY, NY 12304-2617
Document Number	0000017186
Book / Page	2127 / 534
Instrument Date	Feb 7, 2024
Instrument	202417186
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 KELTON AVE, SCHENECTADY, NY 12304-2625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 POND PL, BRONX, NY 10458-3679

Mortgage

Document Number	0000017187
Date	Mar 21, 2024
Instrument	202417187

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 46 Kelton Ave was $4,864, up 4% 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	$4,864.00 (+3.98%)
2025	$4,678.00	$70,000 Land $10,500 Building $59,500	$115,913 Land $17,387 Building $98,526
2023		$70,000 (-) Land $10,500 Building $59,500	$88,608 (+3.8%) Land $13,291 Building $75,317
2022		$70,000 Land $10,500 Building $59,500	$85,366 Land $12,805 Building $72,561
2021	$4,281.00

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

Flood

FEMA maps place 46 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 46 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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