Schenectady County and Rotterdam Town property record for 513 Howe Ave, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,118 sqft · built 1925 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,922 (2026) |
| Deeds & Mortgages | Nov 2024 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422800 48.19-8-38 |
| Primary APN | 422800 48.19-8-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| 1st Floor Area | 782 sqft |
| Upper Floors Area | 336 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 163 ft deep x 34 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 200 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 513 HOWE AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | 179 R,G CENTR RLTY #3 2.-128-6 |
| Legal Subdivision | CENTRAL REALTY COMPANY |
| Legal Block | 8 |
| Legal Lot Number | 38.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 32700 |
513 Howe Ave is owned and occupied by two individuals who acquired it in July 2021.
Source: Schenectady County and Rotterdam Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 513 HOWE AVE, SCHENECTADY, NY 12306-3027 |
| 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.
| Date | Document |
|---|---|
| Nov 12, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jul 8, 2021 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2021 |
| Deed Sale | Jul 8, 2021 |
| Prior Sale | Mar 21, 2007 · Amount on File |
| Deed Document Number | 202132143 |
| Deed Book / Page | 2062 / 329 |
| Prior Transfer Date | Jun 29, 2021 |
| Prior Transfer Doc | 0000032143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 513 HOWE AVE, SCHENECTADY, NY 12306-3027 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 513 HOWE AVE, SCHENECTADY, NY 12306-3027 |
| Document Number | 0000067638 |
|---|---|
| Date | Nov 12, 2024 |
| Book Page | 5409/889 |
| Instrument | 202467638 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 8, 2021 |
| Property Address | 513 HOWE AVE, SCHENECTADY, NY 12306-3027 |
| Document Number | 0000032143 |
| Book / Page | 2062 / 329 |
| Instrument Date | Jun 29, 2021 |
| Instrument | 202132143 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 513 HOWE AVE, ROTTERDAM, NY 12306-3027 |
| Name | Verified Name |
|---|---|
| Address | 3 102ND ST, TROY, NY 12180-1172 |
| Document Number | 0000032144 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 202132144 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
The 2026 property tax bill for 513 Howe Ave was $3,922, up 1.9% from the year before.
Source: Schenectady County and Rotterdam Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,922.00 (+1.92%) | ||
| 2025 | $3,848.00 | $105,000 Land $7,800 Building $97,200 | $161,500 Land $11,997 Building $149,503 |
| 2023 | $105,000 Land $7,800 Building $97,200 | $138,200 Land $10,266 Building $127,934 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 513 Howe 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.
The area around 513 Howe 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROTTERDAM WD #5 serves 28,000 people · EPA ID NY4600069 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2024–2026) 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 701 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures