Schenectady County and Schenectady City property record for 96 Lorraine Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 912 sqft · built 1900 |
| Lot Size | 0.064 acres (2,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,300 (Jul 2009) |
| Tax Bill | $4,418 (2026) |
| Deeds & Mortgages | Feb 2019 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.48-1-45.1 |
| Primary APN | 421500 60.48-1-45.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 480 sqft |
| 2nd Floor Area | 432 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,800 sqft (0.064 acres) |
| Lot Dimensions | 70 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 168 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 96 LORRAINE AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | & P/O 172 2 WOOD |
| Legal Subdivision | MAP OF STATE STREET PARK |
| Legal Block | 1 |
| Legal Lot Number | 45.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21801 |
Source: Schenectady County and Schenectady City records, as of September 23, 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 | 96 LORRAINE AVE, SCHENECTADY, NY 12304-2132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2009 · Amount on Record |
| Deed Sale | Jul 21, 2009 · Amount on Record |
| Prior Sale | Jul 21, 2009 · Amount on Record |
| Deed Book / Page | 1804 / 379 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 96 LORRAINE AVE, SCHENECTADY, NY 12304-2132 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006389 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 4894/677 |
| Instrument | 201906389 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Feb 15, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 96 LORRAINE AVE, SCHENECTADY, NY 12304-2132 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | FORD AND REALE TTL SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 96 LORRAINE AVE, SCHENECTADY, NY 12304-2132 |
| Document Number | 0000001635 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 5059/297 |
| Instrument | 202101635 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2036 |
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 |
|---|---|---|---|
| 2026 | $4,418.00 (+2.51%) | ||
| 2025 | $4,310.00 (+5.51%) | $82,000 (-) Land $12,300 Building $69,700 | $135,784 (+30.82%) Land $20,368 Building $115,416 |
| 2023 | $82,000 (-) Land $12,300 Building $69,700 | $103,797 (+3.8%) Land $15,570 Building $88,227 | |
| 2022 | $82,000 Land $12,300 Building $69,700 | $100,000 Land $15,000 Building $85,000 | |
| 2021 | $4,085.00 |
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 | Not rated no burnable land within 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 432 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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