Schenectady County and Schenectady City property record for 66 Willow Ave, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 1,976 sqft · built 1907 |
| Lot Size | 0.071 acres (3,104 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $88,000 (Sep 2007) |
| Tax Bill | $5,216 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-3 |
| Primary APN | 421500 49.68-6-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Total Area |
| 1st Floor Area | 988 sqft |
| 2nd Floor Area | 988 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 3,104 sqft (0.071 acres) |
| Lot Dimensions | 97 ft deep x 32 ft wide |
| Porch | Slab |
| Porch Area | 324 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 66 WILLOW AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1405 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 6 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records, as of April 14, 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 Record |
|---|---|
| Mailing Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2023 | Deed of Trust, Mortgage TRUSTCO BANK |
| Mar 15, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| May 2, 2025 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Aug 23, 2021 | Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2007 · Amount on Record |
| Deed Sale | Sep 24, 2007 · Amount on Record |
| Prior Sale | Mar 20, 2006 · Amount on Record |
| Deed Book / Page | 1768 / 174 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000014653 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 5294/105 |
| Instrument | 202314653 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000014652 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 5294/97 |
| Instrument | 202314652 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000010847 |
|---|---|
| Date | May 2, 2025 |
| Instrument | 202510847 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 8, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 23, 2021 |
| Property Address | 66 WILLOW AVE, SCHENECTADY, NY 12304-1405 |
| Document Number | 0000041156 |
| Book / Page | 2065 / 547 |
| Map Reference | MAP 3 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 202141156 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 222 ELEVENTH ST, SCHENECTADY, NY 12306-3208 |
| Name | Verified Name |
|---|---|
| Address | 229 DUANE AVE # 1ST, SCHENECTADY, NY 12307-1619 |
| Document Number | 0000041157 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 202141157 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 2, 2051 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,216.00 (+8.19%) | $84,300 (-) Land $12,600 Building $71,700 | $139,593 (+30.82%) Land $20,864 Building $118,729 |
| 2023 | $84,300 (-) Land $12,600 Building $71,700 | $106,709 (+3.8%) Land $15,949 Building $90,760 | |
| 2022 | $84,300 Land $12,600 Building $71,700 | $102,805 Land $15,366 Building $87,439 | |
| 2021 | $4,821.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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