75 Cheltingham Ave, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 75 Cheltingham Ave, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,302 sqft · built 1940
Lot Size	0.293 acres (12,800 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (May 2022)
Tax Bill	$7,023 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.69-4-9`

Property Details

APN / Parcel Number

Primary APN	`421500 49.69-4-9`
Alternative APN	`150004906900040090000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,302 sqft Living Area
1st Floor Area	678 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	12,800 sqft (0.293 acres)
Lot Dimensions	200 ft deep x 64 ft wide
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	75 CHELTINGHAM AVE
City	SCHENECTADY
State	NY
Zip	12306-4838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Description	54 2 WOOD & GARAGE
Legal Subdivision	SCULLINGBURG PARK RESIDENTIAL
Legal Block	4
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	33200

Owner

75 Cheltingham Ave is owned and occupied by two individuals who bought it in May 2022.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	75 CHELTINGHAM AVE, SCHENECTADY, NY 12306-4838
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jul 21, 2021	Warranty Deed, Subdivision Related Transfer · Balloon Mortgage SATNARINE PREMNAUTH
Jun 29, 2021	Administrator's Deed, Transfer STEWART TITLE, STEWART TITLE INS CO UPSTATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Jun 29, 2021 · Amount on File
Deed Document Number	202223566
Deed Book / Page	2084 / 80
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 3, 2022
Property Address	75 CHELTINGHAM AVE, SCHENECTADY, NY 12306-4838
Document Number	0000023566
Book / Page	2084 / 80
Instrument Date	Apr 29, 2022
Instrument	202223566
Transaction Type	Transfer
Record Updated	May 16, 2022
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	75 CHELTINGHAM AVE, 75, SCHENECTADY, NY 12306-4838

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	532 SACANDAGA RD APT 32, 32, SCHENECTADY, NY 12302-6084

Mortgage

Document Number	0000023567
Date	May 3, 2022
Instrument	202223567

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 21, 2021
Property Address	75 CHELTINGHAM AVE, SCHENECTADY, NY 12306-4838
Document Number	0000034578
Book / Page	2063 / 183
Instrument Date	Jul 19, 2021
Instrument	202134578
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2138 LYNNWOOD DR, 2138, NISKAYUNA, NY 12309-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 SPRUCE ST, SCHENECTADY, NY 12304-1403

Mortgage

Document Number	0000034579
Date	Jul 21, 2021
Book Page	5122/900
Instrument	202134579

Lender

Name	SATNARINE PREMNAUTH
Type	Private Party
Address	2138 LYNNWOOD DR, NISKAYUNA, NY 12309

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

June 2021: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 29, 2021
Property Address	75 CHELTINGHAM AVE, SCHENECTADY, NY 12306-4838
Document Number	0000030778
Book / Page	2061 / 733
Instrument Date	Jun 23, 2021
Instrument	202130778
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount on Record
Tax	$196.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 803, BUCKEYE, AZ 85326-0059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 LYNNWOOD DR, SCHENECTADY, NY 12309-2514

Tax Assessment & Valuation

The 2026 property tax bill for 75 Cheltingham Ave was $7,023, up 1.8% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,023.00 (+1.81%)
2025	$6,898.00	$138,300 Land $18,700 Building $119,600	$229,011 Land $30,965 Building $198,046
2023		$138,300 (+11.08%) Land $18,700 Building $119,600	$175,063 (+15.3%) Land $23,671 Building $151,392
2022		$124,500 Land $18,700 Building $105,800	$151,829 Land $22,805 Building $129,024
2021	$2,024.00

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

Flood

FEMA maps place 75 Cheltingham Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · rainfall accumulation

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

Wildfire risk around 75 Cheltingham Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 System	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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