1 Ralph St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1 Ralph St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,448 sqft · built 1930
Lot Size	0.33 acres (14,400 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Sep 2024)
Tax Bill	$6,241 (2025)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.64-2-10`

Property Details

APN / Parcel Number

Primary APN	`421500 60.64-2-10`
Alternative APN	`150006006400020100000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
1st Floor Area	829 sqft
Upper Floors Area	619 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cottage
Exterior Material	Wood
Lot Area	14,400 sqft (0.33 acres)
Lot Dimensions	120 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	254 sqft
Porch	Slab
Porch Area	288 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1 RALPH ST
City	SCHENECTADY
State	NY
Zip	12304-4127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	2 & 3 1 WOOD & GARAGE
Legal Subdivision	COLONIAL HEIGHTS
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3014
Census Tract	21802

Owner

Source: Schenectady County and Schenectady City records · APN 421500 60.64-2-10

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	Individual Name on File
Mailing Address	1 RALPH ST, SCHENECTADY, NY 12304-4127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 19, 2024 · Amount on Record
Deed Sale	Sep 19, 2024 · Amount on Record
Prior Sale	Mar 20, 2023 · Amount on Record
Deed Document Number	202455505
Deed Book / Page	2138 / 42
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1 RALPH ST, SCHENECTADY, NY 12304-4127
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022839
Date	May 29, 2018
Book Page	4839/796
Instrument	201822839

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 15, 2038

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	$6,241.00 (+4.45%)	$125,700 (-) Land $18,900 Building $106,800	$208,147 (+30.82%) Land $31,297 Building $176,850
2023		$125,700 (-) Land $18,900 Building $106,800	$159,114 (+3.8%) Land $23,924 Building $135,190
2022		$125,700 Land $18,900 Building $106,800	$153,293 Land $23,049 Building $130,244
2021	$5,975.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 619 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.