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48 Bonner Ave, Schenectady, NY 12304 Property Records

Albany County and Colonie Town property record for 48 Bonner Ave, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,360 sqft · built 1993
Lot Size0.44 acres (19,166 sqft)
Owner2 Individual Names on Record
Last Sale$389,000 (Jun 2024)
Tax Bill$6,801 (2026)
Deeds & MortgagesAug 2019 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN012689 16.7-2-51

Property Details

APN / Parcel Number

Primary APN012689 16.7-2-51
Alternative APNs
  • 268901600700020510000000
  • 01600700020510000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,360 sqft Living Area
1st Floor Area1,276 sqft
2nd Floor Area1,084 sqft

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area19,166 sqft (0.44 acres)
Garage TypeAttached
Garage Area644 sqft
Parking Spaces2 Parking Spaces
Pool TypeIn-Ground Vinyl Pool
PorchSlab
Porch Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number01600700020510000000
Street Address48 BONNER AVE
CitySCHENECTADY
StateNY
Zip12304-4510
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code04 - FARM
Legal DescriptionLOT 465-470 N-KELLOGG AVE E-42 S-26-58
Legal Block2
Legal Lot Number51.000
JurisdictionALBANY NY
Township / Civil DivisionCOLONIE
Census Block Group3
Census Block3025
Census Tract13803

Owner

Source: Albany County and Colonie Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address48 BONNER AVE, SCHENECTADY, NY 12304-4510
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 22, 2019Deed of Trust, Mortgage · Conventional Mortgage
HOMESTEAD FUNDING CORP
Aug 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
BALLSTON SPA NATIONAL BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 7, 2024 · Amount on Record
Deed SaleJun 7, 2024 · Amount on Record
Prior SaleMar 6, 2024 · Amount on Record
Deed Document Number20249221
Prior Transfer DateMay 10, 2024
Prior Transfer Doc0000009221
Record UpdatedOct 29, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALBANY NY
Property Address48 BONNER AVE, SCHENECTADY, NY 12304-4510
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyAMERICAN LAND TTL ASSOCIATIO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000017273
DateAug 22, 2019
InstrumentR2019-17273
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
AddressALBANY, NY 12205
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2049

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionALBANY NY
Property Address48 BONNER AVE, SCHENECTADY, NY 12304-4510
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000016760
DateAug 4, 2020
InstrumentR2020-16760
Lender
NameBALLSTON SPA NATIONAL BANK
TypeBank
AddressBALLSTON SPA, NY 12020
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

TypeName
StateNew York
CountyAlbany County
County SubdivisionColonie Town
Unified School DistrictSouth Colonie Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,801.00 (-2.87%)
2025$7,002.00 (+22.05%)$148,000 (-) Land $29,600 Building $118,400$338,700 (+16.71%) Land $67,740 Building $270,960
2023$148,000 (-) Land $29,600 Building $118,400$290,200 (+9.32%) Land $58,040 Building $232,160
2022$148,000 Land $29,600 Building $118,400$265,471 Land $53,094 Building $212,377
2021$5,737.00

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

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies5 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

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

Wildfire RiskLow
lower than 95% of the US · lower than 94% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemLATHAM WATER DISTRICT
serves 85,590 people · EPA ID NY0100198
Water SourceSurface water
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 313 locations within half a mile, as of December 31, 2025

ProviderMax 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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