102 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 102 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,566 sqft · built 1972
Lot Size	0.077 acres (3,345 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (Dec 2016)
Tax Bill	$3,587 (2026)
Deeds & Mortgages	Jan 2022 Sale Aug 2017 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`421500 39.71-1-3`

Property Details

APN / Parcel Number

Primary APN	`421500 39.71-1-3`
Alternative APN	`150003907100010030000000`

Interior

Stories	2 Stories
Building Area	4,566 sqft Gross Area
Basement Area	2,283 sqft
Unfinished Basement	2,283 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	3,345 sqft (0.077 acres)
Lot Dimensions	69 ft deep x 33 ft wide
Canopy	145 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	102 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-1700
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	2 BRICK AND WOOD
Legal Subdivision	A MAP OF CHURCH STREET
Legal Block	1
Legal Lot Number	3.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1026
Census Tract	33500

Owner

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	Company Name on Record
Mailing Address	323 CLINTON ST, SCHENECTADY, NY 12305-2405
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed, Transfer
Aug 11, 2017	Loan Modification, Mortgage SCHENECTADY METROPLEX DEV AUTH
Jun 16, 2017	Deed of Trust, Mortgage SCHENECTADY METROPLEX DEV AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2016 · Amount on Record
Deed Sale	Dec 20, 2016 · Amount on Record
Prior Sale	Jul 3, 2007 · Amount on Record
Deed Document Number	201658988
Deed Book / Page	1952 / 556
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 20, 2022
Property Address	102 STATE ST, SCHENECTADY, NY 12305-1700
Document Number	0000003443
Book / Page	2076 / 942
Instrument Date	Dec 3, 2021
Instrument	202203443
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 CLINTON ST, 323, SCHENECTADY, NY 12305-2405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 CLINTON ST, SCHENECTADY, NY 12305-2405

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	102 STATE ST, SCHENECTADY, NY 12305-1700
Document Number	0000040687
Book / Page	004786 / 000627
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	323 CLINTON ST SCHENECTADY NY 123052405, SCHENECTADY, NY 12305-2405

Mortgage

Document Number	0000040687
Date	Sep 8, 2017
Book Page	004786/000627
Instrument	40687

Lender

Name	SCHENECTADY METROPLEX DEV AUTH
Address	433 STATE ST, SCHENECTADY, NY 12305-2322

Agreement

Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	102 STATE ST, SCHENECTADY, NY 12305-1700
Document Number	0000028001
Book / Page	004768 / 000540
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	323 CLINTON ST SCHENECTADY NY 123052405, SCHENECTADY, NY 12305-2405

Mortgage

Document Number	0000028001
Date	Jun 22, 2017
Book Page	004768/000540
Instrument	28001

Lender

Name	SCHENECTADY METROPLEX DEV AUTH
Address	433 STATE ST, SCHENECTADY, NY 12305-2322

Agreement

Amount	Amount Recorded

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
2026	$3,587.00 (+23.86%)
2025	$2,896.00 (-13.22%)	$57,900 (-) Land $10,000 Building $47,900	$95,877 (+30.82%) Land $16,559 Building $79,318
2023		$57,900 (-) Land $10,000 Building $47,900	$73,291 (+3.8%) Land $12,658 Building $60,633
2022		$57,900 Land $10,000 Building $47,900	$70,610 Land $12,195 Building $58,415
2021	$3,337.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 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

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 92 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 Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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