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95 Willow Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 95 Willow Ave, Schenectady, NY 12304 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,380 sqft · built 1900
Lot Size0.084 acres (3,696 sqft)
Owner2 Individual Names on File
Last Sale$135,000 (Dec 2021)
Tax Bill$4,912 (2025)
Deeds & MortgagesJun 2021 Mortgage
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 49.68-5-33

Property Details

APN / Parcel Number

Primary APN421500 49.68-5-33
Alternative APN
  • 150004906800050330000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,380 sqft Living Area
1st Floor Area552 sqft
2nd Floor Area552 sqft
Upper Floors Area276 sqft
AtticAttic
Attic Area276 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area3,696 sqft (0.084 acres)
Lot Dimensions112 ft deep x 33 ft wide

Exterior Amenities

Pool TypeAbove-Ground Pool
Pool Area154 sqft
PorchSlab
Porch Area554 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address95 WILLOW AVE
CitySCHENECTADY
StateNY
Zip12304-1406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2 WOOD
Legal Block5
Legal Lot Number33.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3005
Census Tract20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.68-5-33

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 Record2 Individual Names on File
Mailing Address95 WILLOW AVE, SCHENECTADY, NY 12304-1406
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 03, 2021Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
Dec 14, 2021Deed, Transfer · FHA Mortgage
HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 14, 2021 · Amount on Record
Deed SaleDec 14, 2021 · Amount on Record
Prior SaleOct 03, 2005 · Amount on Record
Deed Document Number202163070
Deed Book / Page2073 / 734
Record UpdatedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address95 WILLOW AVE, SCHENECTADY, NY 12304-1406
Transaction TypeMortgage
Record UpdatedApr 14, 2026
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address95 WILLOW AVE, SCHENECTADY, NY 12304-1406

Mortgage

Document Number0000025960
DateJun 03, 2021
Book Page5106/353
Instrument202125960
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term358 Months
DueApr 01, 2051

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateDec 14, 2021
Property Address95 WILLOW AVE, SCHENECTADY, NY 12304-1406
Document Number0000063070
Book / Page2073 / 734
Instrument DateNov 09, 2021
Instrument202163070
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$540.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address241 ROUTE 55 #33, 33, PATTERSONVILLE, NY 12137

Transferred To (Grantee/Buyer)

NameVerified Name
Address95 WILLOW AVE, SCHENECTADY, NY 12304-1406

Mortgage

Document Number0000063071
DateDec 14, 2021
Instrument202163071
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2051

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$4,912.00 (+161.83%)$92,100 (-) Land $13,800 Building $78,300$152,509 (+30.82%) Land $22,852 Building $129,657
2023$92,100 (-) Land $13,800 Building $78,300$116,582 (+3.8%) Land $17,468 Building $99,114
2022$92,100 Land $13,800 Building $78,300$112,317 Land $16,829 Building $95,488
2021$1,876.00

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
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFiber980 / 880

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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