Schenectady County and Schenectady City property record for 1076 Dean St, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,512 sqft · built 1900 |
| Lot Size | 0.174 acres (7,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,900 (Mar 2025) |
| Tax Bill | $7,005 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.31-3-1 |
| Primary APN | 421500 50.31-3-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Upper Floors Area | 392 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,600 sqft (0.174 acres) |
| Lot Dimensions | 190 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 88 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1076 DEAN ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1X STUCCO AND GARAGE |
| Legal Subdivision | LOTS BELONGING TO PETER MEANEY |
| Legal Block | 3 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20500 |
1076 Dean St is owned by an individual who bought it in March 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 587 COUNTY ROUTE 25, STUYVESANT, NY 12173-1505 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage TRUSTCO BANK |
| Jun 29, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage TRUSTCO BANK |
| Mar 26, 2025 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Jan 14, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Oct 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Aug 10, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Mar 21, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage PRIVATE INDIVIDUAL |
| Mar 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jan 5, 2017 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2025 · Amount on File |
| Deed Sale | Mar 26, 2025 · Amount on File |
| Prior Sale | Mar 21, 2017 · Amount on File |
| Deed Document Number | 20257239 |
| Prior Transfer Date | Aug 7, 2017 |
| Prior Transfer Doc | 0000036061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1076 DEAN ST, NISKAYUNA, NY 12309-5720 |
| Document Number | 0000030733 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 5115/181 |
| Instrument | 202130733 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1076 DEAN ST, NISKAYUNA, NY 12309-5720 |
| Document Number | 0000030736 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 5115/187 |
| Instrument | 202130736 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 26, 2025 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000007239 |
| Instrument Date | Mar 26, 2025 |
| Instrument | 202507239 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | UNKNOWN, CATIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 587 COUNTY ROUTE 25, STUYVESANT, NY 12173-1505 |
| Document Number | 0000007240 |
|---|---|
| Date | Mar 26, 2025 |
| Instrument | 202507240 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 14, 2025 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000001207 |
| Instrument Date | Dec 17, 2024 |
| Instrument | 202501207 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | UNKNOWN, SPA CITY TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 77 W SAND LAKE RD, WYNANTSKILL, NY 12198-8052 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000001208 |
|---|---|
| Date | Jan 14, 2025 |
| Instrument | 202501208 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | 12005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 17, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000044048 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 4942/599 |
| Instrument | 201944048 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 3, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 10, 2017 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000036061 |
| Book / Page | 001968 / 000926 |
| Instrument Date | Aug 7, 2017 |
| Instrument | 36061 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 47 WYLIE ST SCHENECTADY NY 123071908, SCHENECTADY, NY 12307-1908 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 21, 2017 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000012439 |
| Book / Page | 001959 / 000072 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 12439 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1076 DEAN ST SCHENECTADY NY 123095720, SCHENECTADY, NY 12309-5720 |
| Document Number | 12441 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 004749/000875 |
| Instrument | 12441 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Private Party |
| Address | 105 JAY ST, SCHENECTADY, NY 12305-1905 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 9% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 21, 2017 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000012438 |
| Book / Page | 001959 / 000069 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 12438 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 5, 2017 |
| Property Address | 1076 DEAN ST, SCHENECTADY, NY 12309-5720 |
| Document Number | 0000000718 |
| Book / Page | 001953 / 000799 |
| Instrument Date | Dec 28, 2016 |
| Instrument | 718 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
The 2026 property tax bill for 1076 Dean St was $7,005, up 1.8% 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 | $7,005.00 (+1.83%) | ||
| 2025 | $6,879.00 | $139,000 (-) Land $20,900 Building $118,100 | $230,171 (+13.35%) Land $34,608 Building $195,563 |
| 2024 | $139,000 (-) Land $20,900 Building $118,100 | $203,068 (+15.41%) Land $30,533 Building $172,535 | |
| 2023 | $139,000 (-) Land $20,900 Building $118,100 | $175,949 (+3.8%) Land $26,456 Building $149,493 | |
| 2022 | $139,000 Land $20,900 Building $118,100 | $169,512 Land $25,488 Building $144,024 | |
| 2021 | $6,593.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1076 Dean St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 1076 Dean St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 823 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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