108 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 108 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	136,722 sqft · built 2019
Lot Size	1.01 acres (44,159 sqft)
Owner	Company Name on Record
Last Sale	$18,000,000 (Feb 2024)
Tax Bill	$3,477 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Mortgage + 9 more
Flood Zone	Zone AE (high risk)
APN	`421500 39.71-1-11.11`

Property Details

APN / Parcel Number

Primary APN	`421500 39.71-1-11.11`
Alternative APNs	`42150003907100010110010000` `421500 39.71-1-11.12`

Interior

Units	84 Units
Stories	6 Stories
Building Area	136,722 sqft Gross Area
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	44,159 sqft (1.01 acres)
Lot Dimensions	322 ft deep x 272 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-1764
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Block	1
Legal Lot Number	11.012
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 are on file and can be viewed instantly on this page with a free 10-day 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
Feb 7, 2024	Deed of Trust, Mortgage PIONEER BANK
Feb 7, 2024	Deed of Trust, Mortgage PIONEER BANK
Feb 7, 2024	Intrafamily Transfer, Transfer · Stand-Alone Refinance PIONEER BANK
	Deed of Trust, Mortgage
Oct 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage PIONEER SAVINGS BANK
Jan 3, 2020	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Apr 8, 2020	Loan Modification, Mortgage · Line of Credit BBL CONSTRUCTION SERVICES LLC
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit BBL CONSTRUCTION SERVICES LLC
Oct 11, 2018	Grant Deed, Mortgage PIONEER SVGS BK
Oct 11, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 11, 2018	Correction Deed OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2024 · Amount on Record
Deed Sale	Feb 7, 2024 · Amount on Record
Deed Document Number	20247722
Deed Book / Page	2125 / 127
Prior Transfer Date	Jul 20, 2017
Prior Transfer Doc	0000064989
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CORPORATE WOODS BLVD, ALBANY, NY 12211-2396

Mortgage

Document Number	0000007724
Date	Feb 7, 2024
Book Page	5357/521
Instrument	202407724

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Amount	Amount Recorded

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 STATE ST, SCHENECTADY, NY 12305-1764

Mortgage

Document Number	0000007743
Date	Feb 7, 2024
Book Page	5357/605
Instrument	202407743

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Amount	Amount Recorded

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 7, 2024
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Document Number	0000007728
Book / Page	2125 / 158
Map Reference	MB 2123 PG 636
Instrument Date	Jan 11, 2024
Instrument	202407728
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000007740
Date	Feb 7, 2024
Instrument	202407740

Lender

Name	PIONEER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Mortgage

Document Number	0000007734
Date	Feb 7, 2024
Book Page	5357/550
Instrument	202407734

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Amount	Amount Recorded

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045079
Date	Oct 11, 2018
Book Page	4870/651
Instrument	201845079

Lender

Name	PIONEER SAVINGS BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000290
Date	Jan 3, 2020
Book Page	4964/315
Instrument	202000290

Lender

Name	PIONEER BANK
Type	Bank
Address	SCHENECTADY, NY 12305

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Document Number	0000012996
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	108 STATE ST SCHENECTADY NY 123051764, SCHENECTADY, NY 12305-1764

Mortgage

Document Number	0000012996
Date	Apr 30, 2020
Book Page	004985/000288
Instrument	12996

Lender

Name	BBL CONSTRUCTION SERVICES LLC
Address	302 WASHINGTON AVENUE EXT, ALBANY, NY 12203-7306

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Document Number	0000002898
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000002898
Date	Jan 23, 2020
Book Page	004967/000842
Instrument	2898

Lender

Name	BBL CONSTRUCTION SERVICES LLC
Address	302 WASHINGTON AVENUE EXT, ALBANY, NY 12203-7306

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 11, 2018
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Book / Page	004870 / 000627
Instrument Date	Oct 10, 2018
Instrument	45075
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	134-136 STATE ST SCHENECTADY NY 12305, SCHENECTADY, NY 12305

Mortgage

Document Number	0000045075
Date	Oct 11, 2018
Book Page	004870/000627
Instrument	45075

Lender

Name	PIONEER SVGS BK
Type	Federal Savings Bank
Address	652 ALBANY SHAKER RD, ALBANY, NY 12211-1125

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 11, 2018
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Document Number	0019970695
Book / Page	001997 / 000695
Instrument Date	Oct 9, 2018
Transaction Type	Transfer
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

October 2018: Correction Deed

Document Type	Correction Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 11, 2018
Property Address	108 STATE ST, SCHENECTADY, NY 12305-1764
Document Number	0000045066
Book / Page	001997 / 000695
Instrument Date	Oct 1, 2018
Instrument	45066
Record Updated	Mar 18, 2020
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

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	$3,477.00 (+11.59%)
2025		$7,112,600 (-66.4%) Land $1,000 Building $7,111,600	$11,777,778 (-56.05%) Land $1,656 Building $11,776,122
2024	$3,116.00 (+17.85%)
2023		$21,168,600 (-) Land $141,500 Building $21,027,100	$26,795,696 (+3.8%) Land $179,114 Building $26,616,582
2022		$21,168,600 Land $141,500 Building $21,027,100	$25,815,366 Land $172,561 Building $25,642,805
2021	$2,644.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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