46 Laurel Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 46 Laurel Ave, Schenectady, NY 12304 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 822 sqft · built 1925
Lot Size	0.084 acres (3,672 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Apr 2022)
Tax Bill	$4,820 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.77-3-25`

Property Details

APN / Parcel Number

Primary APN	`421500 50.77-3-25`
Alternative APN	`150005007700030250000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	822 sqft Living Area
1st Floor Area	822 sqft 1st Floor
Stories	1 Story

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	3,672 sqft (0.084 acres)
Lot Dimensions	108 ft deep x 34 ft wide
Parking Spaces	1 Parking Space
Garage Type	Detached
Garage Area	216 sqft Garage
Porch	Slab
Porch Area	206 sqft Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 LAUREL AVE
City	SCHENECTADY
State	NY
Zip	12304-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1007
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 50.77-3-25

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	633 SETTLES HILL RD, ALTAMONT, NY 12009-5824
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 18, 2022 · Amount on Record
Deed Sale	Apr 18, 2022 · Amount on Record
Prior Sale	Dec 19, 1995 · Amount on Record
Deed Document Number	202219941
Deed Book / Page	2082 / 958
Prior Transfer Date	Aug 29, 1994
Prior Transfer Doc	1431000107
Record Updated	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 18, 2022
Property Address	46 LAUREL AVE, SCHENECTADY, NY 12304-1511
Document Number	0000019941
Book / Page	2082 / 958
Instrument Date	Mar 09, 2022
Instrument	202219941
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	PRIORITY 1 ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 DUTCH MEADOWS LN, GLENVILLE, NY 12302-3509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	633 SETTLES HILL RD, ALTAMONT, NY 12009-5824
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019942
Date	Apr 18, 2022
Instrument	202219942

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 01, 2020
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.12%
Index	1-Year CMT
Margin	3
Max Rate	5.12%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,820.00 (+83.41%)	$95,600 (-) Land $9,300 Building $86,300	$158,304 (+30.82%) Land $15,400 Building $142,904
2023		$95,600 (+53.95%) Land $9,300 Building $86,300	$121,013 (+59.79%) Land $11,772 Building $109,241
2022		$62,100 Land $9,300 Building $52,800	$75,732 Land $11,342 Building $64,390
2021	$2,628.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.