106 de Graff St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 106 de Graff St, Schenectady, NY 12308

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,672 sqft · built 1900
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (May 2023)
Tax Bill	$5,972 (2026)
Deeds & Mortgages	May 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`421500 39.82-2-82`

Property Details

APN / Parcel Number

Primary APN	`421500 39.82-2-82`
Alternative APN	`150003908200020820000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,672 sqft Total Area
1st Floor Area	836 sqft
2nd Floor Area	836 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	150 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	522 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	222 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	106 DE GRAFF ST
City	SCHENECTADY
State	NY
Zip	12308-3204
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	82.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1006
Census Tract	20800

Owner

106 de Graff St, a duplex, is owned by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2980 PARK AVE, BRONX, NY 10451-1917
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2023 · Amount on File
Deed Sale	May 23, 2023 · Amount on File
Prior Sale	Apr 18, 2003 · Amount on File
Deed Document Number	202328799
Deed Book / Page	2108 / 406
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 23, 2023
Property Address	106 DE GRAFF ST, SCHENECTADY, NY 12308-3204
Document Number	0000028799
Book / Page	2108 / 406
Instrument Date	Apr 18, 2023
Instrument	202328799
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 DE GRAFF ST, SCHENECTADY, NY 12308-3204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2980 PARK AVE, BRONX, NY 10451-1917

Mortgage

Document Number	0000028800
Date	May 23, 2023
Book Page	5305/714
Instrument	202328800

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 106 de Graff St was $5,972, up 3.4% 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	$5,972.00 (+3.38%)
2025	$5,777.00	$98,000 Land $11,400 Building $86,600	$162,279 Land $18,877 Building $143,402
2023		$76,000 (-) Land $11,400 Building $64,600	$96,203 (+3.8%) Land $14,430 Building $81,773
2022		$76,000 Land $11,400 Building $64,600	$92,683 Land $13,902 Building $78,781
2021	$3,874.00

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

Flood

FEMA maps place 106 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.

Wildfire

The area around 106 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.

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