10 River St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 10 River St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,692 sqft · built 1900
Lot Size	0.058 acres (2,550 sqft)
Owner	Individual Name on File
Last Sale	$33,000 (May 2006)
Tax Bill	$4,958 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`421500 39.56-2-10`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-2-10`
Alternative APN	`150003905600020100000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,692 sqft Total Area
1st Floor Area	840 sqft
2nd Floor Area	852 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	2,550 sqft (0.058 acres)
Lot Dimensions	85 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	640 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 RIVER ST
City	SCHENECTADY
State	NY
Zip	12305-1017
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	RCHRD MARCELLUS MAP 2 WOOD AND BARN
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
Census Tract	20300

Historic Designation

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

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

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

Owner

10 River St, a duplex, is owned by an individual who bought it in May 2006.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1517 ALBANY ST, SCHENECTADY, NY 12304-2801
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2006 · Amount on File
Deed Sale	May 1, 2006 · Amount on File
Prior Sale	May 1, 2006 · Amount on File
Deed Book / Page	1732 / 796
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 20, 2020
Property Address	10 RIVER ST, SCHENECTADY, NY 12305-1017
Document Number	0000020699
Book / Page	002038 / 000216
Instrument Date	Jun 26, 2020
Instrument	20699
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 ALBANY ST SCHENECTADY NY 123042801, SCHENECTADY, NY 12304-2801

Mortgage

Document Number	20700
Date	Jul 20, 2020
Book Page	005004/000827
Instrument	20700

Lender

Name	TRUSTCO BK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 10 River St was $4,958, up 3.9% from the year before.

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
2026	$4,958.00 (+3.94%)
2025	$4,770.00	$73,400 Land $11,000 Building $62,400	$121,543 Land $18,215 Building $103,328
2023		$73,400 (-) Land $11,000 Building $62,400	$92,911 (+3.8%) Land $13,924 Building $78,987
2022		$73,400 Land $11,000 Building $62,400	$89,512 Land $13,415 Building $76,097
2021	$4,379.00

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

Flood

FEMA maps place 10 River St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10 River St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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