10 Chestnut St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 10 Chestnut St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,475 sqft · built 1900
Lot Size	0.113 acres (4,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Aug 2019)
Tax Bill	$7,894 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Aug 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.25-4-16`

Property Details

APN / Parcel Number

Primary APN	`421500 49.25-4-16`
Alternative APN	`150004902500040160000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,475 sqft Total Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,243 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,950 sqft (0.113 acres)
Lot Dimensions	150 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	426 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 CHESTNUT ST
City	SCHENECTADY
State	NY
Zip	12307-1004
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD & GARAGE
Legal Subdivision	MYNDERSE PLOT
Legal Block	4
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Vale Cemetery and Vale Park listed 2004 · 6 contributing resources · NRIS 04001053

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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 Record
Mailing Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC
Aug 19, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP
Jan 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROCK RIV CAP
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2019 · Amount on Record
Deed Sale	Aug 19, 2019 · Amount on Record
Prior Sale	Jan 5, 2017 · Amount on Record
Deed Document Number	201937026
Deed Book / Page	2018 / 23
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 15, 2021
Property Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000033414
Book / Page	2062 / 826
Instrument Date	Jun 23, 2021
Instrument	202133414
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 CLEVELAND AVE, 513, SCHENECTADY, NY 12306-3921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004

Mortgage

Document Number	0000033415
Date	Jul 15, 2021
Instrument	202133415

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 19, 2019
Property Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000037026
Book / Page	2018 / 023
Instrument Date	Aug 13, 2019
Instrument	201937026
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2515 SCOTCH CHURCH RD, 2515, PATTERSONVILLE, NY 12137-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 NOWOOD AVENUE, SCHENECTADY, NY 12303-1226

Mortgage

Document Number	0000037028
Date	Aug 19, 2019
Instrument	201937028

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000000447
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 23, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CHESTNUT ST SCHENECTADY NY 123071004, SCHENECTADY, NY 12307-1004

Mortgage

Document Number	0000000447
Date	Jan 4, 2019
Book Page	004887/000711
Instrument	447

Lender

Name	ROCK RIV CAP
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	12%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 5, 2017
Property Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000000758
Book / Page	001953 / 000806
Instrument Date	Dec 23, 2016
Instrument	758
Transaction Type	Transfer
Record Updated	Jan 10, 2017

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 5, 2017
Property Address	10 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000000759
Book / Page	001953 / 000809
Instrument Date	Dec 23, 2016
Instrument	759
Transaction Type	Transfer
Record Updated	Jan 12, 2017

Transaction

Amount	Amount Recorded
Tax	$26.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 STANLEY ST SCHENECTADY NY 123071612, SCHENECTADY, NY 12307-1612

Tax Assessment & Valuation

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
2025	$7,894.00 (+62.96%)	$149,700 (-) Land $9,600 Building $140,100	$247,889 (+30.82%) Land $15,897 Building $231,992
2023		$149,700 (-) Land $9,600 Building $140,100	$189,494 (+3.8%) Land $12,152 Building $177,342
2022		$149,700 Land $9,600 Building $140,100	$182,561 Land $11,707 Building $170,854
2021	$4,844.00

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

Flood

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

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.

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 486 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

May also be available: Massivemesh Networks.

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