Schenectady County and Schenectady City property record for 1003 State St, Schenectady, NY 12307
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2,486 sqft · built 1997 |
| Lot Size | 0.079 acres (3,450 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Jul 2005) |
| Tax Bill | $4,344 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Feb 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.42-5-34 |
| Primary APN | 421500 49.42-5-34 |
|---|---|
| Alternative APN |
|
| Units | 2 Units |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,486 sqft Gross Area |
| Basement Area | 1,243 sqft |
| Unfinished Basement | 1,243 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 3,450 sqft (0.079 acres) |
| Lot Dimensions | 115 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 80 sqft |
| Cooling System | Partial |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1003 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12307-1536 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | 05 - COMME |
| Legal Description | 2 WOOD |
| Legal Block | 5 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20800 |
Source: Schenectady County and Schenectady City assessment roll, 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 | Individual Name on File |
|---|---|
| Mailing Address | 1003 STATE ST, SCHENECTADY, NY 12307-1536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Feb 15, 2019 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| May 29, 2019 | Loan Modification, Mortgage · Line of Credit TRUSTCO BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 28, 2005 · Amount on Record |
| Deed Sale | Jul 28, 2005 · Amount on Record |
| Deed Book / Page | 1711 / 276 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1003 STATE ST, SCHENECTADY, NY 12307-1536 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1003 STATE ST, SCHENECTADY, NY 12307-1536 |
| Document Number | 0000051463 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | 5157/586 |
| Instrument | 202151463 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1003 STATE ST, SCHENECTADY, NY 12307-1536 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006917 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 4895/246 |
| Instrument | 201906917 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1003 STATE ST, SCHENECTADY, NY 12307-1536 |
| Document Number | 0000025977 |
| Instrument Date | May 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1003 STATE ST SCHENECTADY NY 123071507, SCHENECTADY, NY 12307-1507 |
| Document Number | 0000025977 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 004916/000427 |
| Instrument | 25977 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $4,344.00 (+8.52%) | $77,900 (-) Land $10,700 Building $67,200 | $128,995 (+30.82%) Land $17,718 Building $111,277 |
| 2023 | $77,900 (-) Land $10,700 Building $67,200 | $98,608 (+3.8%) Land $13,544 Building $85,064 | |
| 2022 | $77,900 Land $10,700 Building $67,200 | $95,000 Land $13,049 Building $81,951 | |
| 2021 | $4,003.00 |
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 | 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 |
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 615 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 |
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