Schenectady County and Schenectady City property record for 1003 Union St, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,482 sqft · built 1900 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Sep 2025) |
| Tax Bill | $7,020 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.75-1-19 |
| Primary APN | 421500 39.75-1-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,482 sqft Total Area |
| 1st Floor Area | 1,306 sqft |
| 2nd Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 278 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1003 UNION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-2803 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Subdivision | CHARLES F VEEDER |
| Legal Block | 1 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 33400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Schenectady County and Schenectady City records, as of September 23, 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 | 268 ALTAMONT AVE, SCHENECTADY, NY 12304-4661 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 29, 2025 | Administrator's Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Prior Sale | Dec 17, 2019 · Amount on Record |
| Deed Document Number | 202523437 |
| Deed Book / Page | 2158 / 68 |
| Prior Transfer Date | Mar 7, 2008 |
| Prior Transfer Doc | 1779000775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Administrator's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 29, 2025 |
| Property Address | 1003 UNION ST, SCHENECTADY, NY 12308-2803 |
| Document Number | 0000023437 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 202523437 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1301 PRINCETOWN RD # 211, 211, SCHENECTADY, NY 12306-9782 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 268 ALTAMONT AVE, SCHENECTADY, NY 12304-4661 |
| Document Number | 0000023438 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 202523438 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 17, 2019 |
| Property Address | 1003 UNION ST, SCHENECTADY, NY 12308-2803 |
| Document Number | 0000055603 |
| Book / Page | 2026 / 581 |
| Map Reference | CAB B-10 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 201955603 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1003 UNION ST, 1003, SCHENECTADY, NY 12308-2803 |
| Name | Verified Name |
|---|---|
| Address | 489 BRUNO ST, SCHENECTADY, NY 12306-2303 |
| Document Number | 0000055606 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 201955606 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
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 |
|---|---|---|---|
| 2026 | $7,020.00 (+2.23%) | ||
| 2025 | $6,867.00 (+7.55%) | $120,000 (-) Land $18,000 Building $102,000 | $198,708 (+13.35%) Land $29,806 Building $168,902 |
| 2024 | $120,000 (-) Land $18,000 Building $102,000 | $175,310 (+15.41%) Land $26,296 Building $149,014 | |
| 2023 | $120,000 (-) Land $18,000 Building $102,000 | $151,899 (+3.8%) Land $22,785 Building $129,114 | |
| 2022 | $120,000 Land $18,000 Building $102,000 | $146,341 Land $21,951 Building $124,390 | |
| 2021 | $6,385.00 |
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 | 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.
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 461 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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