972 Florence Ave, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 972 Florence Ave, Schenectady, NY 12303 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,136 sqft · built 1940
Lot Size	0.114 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$181,000 (May 2017)
Tax Bill	$7,043 (2025)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.81-1-20`

Property Details

APN / Parcel Number

Primary APN	`421500 49.81-1-20`
Alternative APN	`150004908100010200000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,136 sqft Living Area
1st Floor Area	1,328 sqft
Basement Area	808 sqft
Finished Basement	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide

Exterior Amenities

Porch	Porch
Porch Area	190 sqft
Patio Area	100 sqft
Canopy	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	972 FLORENCE AVE
City	SCHENECTADY
State	NY
Zip	12303-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	279 SPLIT-LEVEL
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3015
Census Tract	21600

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.81-1-20

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 Record	2 Individual Names on File
Mailing Address	972 FLORENCE AVE, SCHENECTADY, NY 12303-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2017 · Amount on Record
Deed Sale	May 16, 2017 · Amount on Record
Prior Sale	May 22, 2013 · Amount on Record
Deed Document Number	201721759
Deed Book / Page	1962 / 559
Prior Transfer Date	Mar 05, 2008
Prior Transfer Doc	1778000826
Record Updated	Jun 08, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 16, 2017
Property Address	972 FLORENCE AVE, SCHENECTADY, NY 12303-1506
Document Number	0000021759
Book / Page	1962 / 559
Map Reference	MB1875 PG734
Instrument Date	May 15, 2017
Instrument	201721759
Transaction Type	Transfer
Record Updated	Feb 06, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$724.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	972 FLORENCE AVE, 972, SCHENECTADY, NY 12303-1506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 1ST ST, ALBANY, NY 12210-2590
Investor	Possibly a Property Investor

Mortgage

Document Number	, 201721762
Date	May 16, 2017
Instrument	201721762

Lender

Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2047

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,043.00 (+4.26%)	$143,000 (-) Land $22,100 Building $120,900	$236,794 (+30.82%) Land $36,595 Building $200,199
2023		$143,000 (-) Land $22,100 Building $120,900	$181,013 (+3.8%) Land $27,975 Building $153,038
2022		$143,000 Land $22,100 Building $120,900	$174,390 Land $26,951 Building $147,439
2021	$6,755.00

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.