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540 Summit Ave, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 540 Summit Ave, Schenectady, NY 12307 · Last verified April 2026

Property Summary

Property TypeDuplex
Details6 bd · 2.5 ba · 2,512 sqft · built 1910
Lot Size0.095 acres (4,166 sqft)
OwnerIndividual Name on File
Tax Bill$3,358 (2025)
Deeds & MortgagesJun 2026 Mortgage
Nov 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN421500 49.31-2-15

Property Details

APN / Parcel Number

Primary APN421500 49.31-2-15
Alternative APN
  • 150004903100020150000000

Interior

Bedrooms6 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms14 Rooms
Stories2 Stories
Building Area2,512 sqft Total Area
1st Floor Area1,256 sqft
2nd Floor Area1,256 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area4,166 sqft (0.095 acres)
Lot Dimensions125 ft deep x 33.3 ft wide
Garage TypeDetached
Garage Area640 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area336 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address540 SUMMIT AVE
CitySCHENECTADY
StateNY
Zip12307-1721
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Legal DescriptionPART OF 2 WOOD AND GARAGE
Legal Block2
Legal Lot Number15.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3002
Census Tract21002

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.31-2-15

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 RecordIndividual Name on File
Mailing Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2026Deed of Trust, Mortgage · VA Mortgage
ROCKET MORTGAGE LLC
Nov 24, 2021Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
May 07, 2020Deed of Trust, Mortgage · VA Mortgage
QUICKEN LNS
Feb 13, 2018Deed of Trust, Mortgage · VA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Recording DateJun 15, 2026
Property Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721
Document Number0000013505
Instrument DateJun 06, 2026
Instrument202613505
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721

Mortgage

Document Number0000013505,
DateJun 15, 2026
Instrument202613505
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.37%
Max Rate-1%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721
Transaction TypeMortgage
Record UpdatedDec 06, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721

Mortgage

Document Number0000059679
DateNov 24, 2021
Book Page5172/167
Instrument202159679
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term357 Months
DueAug 01, 2051

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721
Document Number0000017097
Instrument DateMay 07, 2020
Transaction TypeMortgage
Record UpdatedJul 16, 2020
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 SUMMIT AVE SCHENECTADY NY 123071721, SCHENECTADY, NY 12307-1721

Mortgage

Document Number0000017097
DateJun 15, 2020
Book Page004996/000225
Instrument17097
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 14, 2050

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address540 SUMMIT AVE, SCHENECTADY, NY 12307-1721
Document Number0000009100
Instrument DateFeb 13, 2018
Transaction TypeMortgage
Record UpdatedMar 09, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
Address540 SUMMIT AVE SCHENECTADY NY 123071721, SCHENECTADY, NY 12307-1721

Mortgage

Document Number0000009100
DateMar 01, 2018
Book Page004821/000784
Instrument9100
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 29, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,358.00 (+18.62%)$68,100 (-) Land $10,200 Building $57,900$112,767 (+30.82%) Land $16,890 Building $95,877
2023$68,100 (-) Land $10,200 Building $57,900$86,203 (+3.8%) Land $12,911 Building $73,292
2022$68,100 Land $10,200 Building $57,900$83,049 Land $12,439 Building $70,610
2021$2,831.00

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

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