1004 Union St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 1004 Union St, Schenectady, NY 12308

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,696 sqft · built 1900
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on File
Last Sale	$306,000 (Nov 2023)
Tax Bill	$7,478 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.82-3-6`

Property Details

APN / Parcel Number

Primary APN	`421500 39.82-3-6`
Alternative APN	`150003908200030060000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,696 sqft Total Area
1st Floor Area	1,135 sqft
2nd Floor Area	1,129 sqft
Upper Floors Area	432 sqft
Attic	Attic
Attic Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	150 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	446 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1004 UNION ST
City	SCHENECTADY
State	NY
Zip	12308-2804
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	02 - SINGL
Legal Description	AND PART OF EACH 2 WOOD
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	20800

Historic Designation

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.

Owner

1004 Union St, a duplex, is owned by an individual who bought it in November 2023.

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

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

Owner of Record	Individual Name on File
Mailing Address	239 NEW YORK 30 A, A, SCHOHARIE, NY 12157
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Prior Sale	Nov 3, 2008 · Amount on File
Deed Document Number	202364046
Deed Book / Page	2119 / 516
Prior Transfer Date	Jun 10, 2002
Prior Transfer Doc	1626000237
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 14, 2023
Property Address	1004 UNION ST, SCHENECTADY, NY 12308-2804
Document Number	0000064046
Book / Page	2119 / 516
Map Reference	CAB A-138&139
Instrument Date	Oct 24, 2023
Instrument	202364046
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	REA ABSTRACT, RAM ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 UNION ST, SCHENECTADY, NY 12308-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 NEW YORK 30A, SCHOHARIE, NY 12157

Mortgage

Document Number	0000064047
Date	Nov 14, 2023
Instrument	202364047

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 1004 Union St was $7,478, up 3.5% 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	$7,478.00 (+3.54%)
2025	$7,222.00	$128,700 Land $22,900 Building $105,800	$213,115 Land $37,920 Building $175,195
2023		$128,700 (-) Land $22,900 Building $105,800	$162,911 (+3.8%) Land $28,987 Building $133,924
2022		$128,700 Land $22,900 Building $105,800	$156,951 Land $27,927 Building $129,024
2021	$7,069.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1004 Union St in Zone X, an area of minimal flood risk.

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

The area around 1004 Union St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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