Schenectady County and Schenectady City property record for 103 de Graff St, Schenectady, NY 12308
| Property Type | Triplex |
|---|---|
| Details | 9 bd · 3 ba · 3,258 sqft · built 1910 |
| Lot Size | 0.088 acres (3,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $101,000 (Feb 2019) |
| Tax Bill | $7,025 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.82-2-49 |
| Primary APN | 421500 39.82-2-49 |
|---|---|
| Alternative APN |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 14 Rooms |
| Stories | 3 Stories |
| Building Area | 3,258 sqft Total Area |
| 1st Floor Area | 1,086 sqft |
| 2nd Floor Area | 1,086 sqft |
| Upper Floors Area | 1,086 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,840 sqft (0.088 acres) |
| Lot Dimensions | 120 ft deep x 32 ft wide |
| Porch | Slab |
| Porch Area | 540 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 DE GRAFF ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3292 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 3 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 49.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20800 |
103 de Graff St, a triplex, is owned and occupied by an individual who bought it in February 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 22, 2019 | Warranty Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES |
| May 1, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2019 · Amount on File |
| Deed Sale | Feb 22, 2019 · Amount on File |
| Prior Sale | Aug 6, 2018 · Amount on File |
| Deed Document Number | 20197889 |
| Deed Book / Page | 2006 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 20, 2026 |
| Property Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000016263 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 202616263 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | TOWNSGATE CLOSING SERVICES R |
| Name | Verified Name |
|---|---|
| Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000016263, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 202616263 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000055813 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 5165/574 |
| Instrument | 202155813 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 326 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 22, 2019 |
| Property Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000007889 |
| Book / Page | 2006 / 163 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 201907889 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $404.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 NORTH CT, 6, QUEENSBURY, NY 12804-2164 |
| Name | Verified Name |
|---|---|
| Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000007896 |
|---|---|
| Date | Feb 22, 2019 |
| Instrument | 201907896 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 1, 2017 |
| Property Address | 103 DE GRAFF ST, SCHENECTADY, NY 12308-3292 |
| Document Number | 0000019157 |
| Book / Page | 001961 / 000713 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 19157 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $236.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 NORTH CT #B QUEENSBURY NY 128042164, B, QUEENSBURY, NY 12804-2164 |
The 2026 property tax bill for 103 de Graff St was $7,025, up 4.1% from the year before.
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 | $7,025.00 (+4.14%) | ||
| 2025 | $6,746.00 | $100,700 Land $15,100 Building $85,600 | $166,749 Land $25,004 Building $141,745 |
| 2023 | $100,700 (-) Land $15,100 Building $85,600 | $127,468 (+3.8%) Land $19,114 Building $108,354 | |
| 2022 | $100,700 Land $15,100 Building $85,600 | $122,805 Land $18,415 Building $104,390 | |
| 2021 | $6,168.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 de Graff 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.
The area around 103 de Graff 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.
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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