95 Elliott Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 95 Elliott Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1950
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on File
Last Sale	$101,000 (Jul 2017)
Tax Bill	$5,268 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.22-3-44`

Property Details

APN / Parcel Number

Primary APN	`421500 60.22-3-44`
Alternative APN	`150006002200030440000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	95 ELLIOTT AVE
City	SCHENECTADY
State	NY
Zip	12304-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	44.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1023
Census Tract	21801

Owner

95 Elliott Ave is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	95 ELLIOTT AVE, SCHENECTADY, NY 12304-1729
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on File
Deed Sale	Jul 11, 2017 · Amount on File
Prior Sale	Sep 13, 2012 · Amount on File
Deed Document Number	201730818
Deed Book / Page	1966 / 738
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 11, 2017
Property Address	95 ELLIOTT AVE, SCHENECTADY, NY 12304-1729
Document Number	0000030818
Book / Page	1966 / 738
Instrument Date	Jul 7, 2017
Instrument	201730818
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2115 CENTRAL AVE, SCHENECTADY, NY 12304-4412

Mortgage

Document Number	0000030821
Date	Jul 11, 2017
Instrument	201730821

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 95 Elliott Ave was $5,268, up 2.2% 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	$5,268.00 (+2.21%)
2025	$5,154.00	$102,600 Land $15,800 Building $86,800	$169,896 Land $26,163 Building $143,733
2023		$102,600 (-) Land $15,800 Building $86,800	$129,873 (+3.8%) Land $20,000 Building $109,873
2022		$102,600 Land $15,800 Building $86,800	$125,122 Land $19,268 Building $105,854
2021	$4,920.00

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

Flood

FEMA maps place 95 Elliott 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.

Wildfire

Wildfire risk around 95 Elliott 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 98% of the US · lower than 97.9% 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 163 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