Schenectady County and Schenectady City property record for 106 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,220 sqft · built 1925 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,755 (2026) |
| Deeds & Mortgages | Mar 2023 Transfer Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.42-1-36 |
| Primary APN | 421500 48.42-1-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,220 sqft Living Area |
| 1st Floor Area | 874 sqft |
| Upper Floors Area | 346 sqft |
| Attic | Attic |
| Attic Area | 346 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 224 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 106 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 621 23 25 27 PT EACH 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 36.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 108 TWELFTH ST, SCHENECTADY, NY 12306-3226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2023 | Intrafamily Transfer, Transfer |
| Sep 18, 2017 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 3, 2023 |
| Property Address | 106 TWELFTH ST, SCHENECTADY, NY 12306 |
| Document Number | 0000012369 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 202312369 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 TWELFTH ST, SCHENECTADY, NY 12306-3226 |
| Name | Verified Name |
|---|---|
| Address | 108 TWELFTH ST, SCHENECTADY, NY 12306-3226 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 106 TWELFTH ST, SCHENECTADY, NY 12306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000041971 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 4788/303 |
| Instrument | 201741971 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,755.00 (+7.32%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,499.00 (+10.62%) | $102,400 (-) Land $15,400 Building $87,000 | $169,564 (+30.82%) Land $25,501 Building $144,063 |
| 2023 | $102,400 (-) Land $15,400 Building $87,000 | $129,620 (+3.8%) Land $19,494 Building $110,126 | |
| 2022 | $102,400 Land $15,400 Building $87,000 | $124,878 Land $18,780 Building $106,098 | |
| 2021 | $3,163.00 |
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 | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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