108 Union St, Schenectady, NY 12305 Property Records

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

Property Summary

Property Type	Apartments (5+ Units)
Details	12,147 sqft · built 1831
Lot Size	0.248 acres (10,788 sqft)
Owner	Company Name on File
Last Sale	$220,000 (Feb 2016)
Tax Bill	$20,573 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-3-14.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-3-14.1`
Alternative APN	`42150003906300030140000000`

Interior

Units	10 Units
Stories	3 Stories
Building Area	12,147 sqft Gross Area
Basement Area	5,390 sqft
Unfinished Basement	5,390 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1831
Effective Year Built	Effective 2007
Lot Area	10,788 sqft (0.248 acres)
Lot Dimensions	116 ft deep x 93 ft wide
Porch	Slab
Porch Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	108 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1779
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	05 - COMME
Legal Block	3
Legal Lot Number	14.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1021
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

108 Union St, a residential property, is owned by a company that bought it in February 2016.

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

Owner of Record	Company Name on File
Mailing Address	122 SPY GLASS CT, 10, ALBANY, NY 12203-4925
Owner Type	Company
Vesting	Company

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

Date	Document
Jul 21, 2021	Warranty Deed, Transfer · Commercial Mortgage THE BANK OF GREENE COUNTY
May 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage APM MANAGEMENT SERVICES LLC
Aug 18, 2017	Deed of Trust, Mortgage AJITE LLC
May 5, 2017	Loan Modification, Consolidation and Extension, Mortgage APM MANAGEMENT SERVICES LLC
May 5, 2017	Deed of Trust, Mortgage REZA MAHOUTCHIAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2016 · Amount on File
Deed Sale	Feb 18, 2016 · Amount on File
Prior Sale	Dec 6, 1996 · Amount on File
Deed Document Number	20166782
Deed Book / Page	1931 / 355
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 21, 2021
Property Address	108 UNION ST, SCHENECTADY, NY 12305-1779
Document Number	0000034545
Book / Page	2063 / 147
Instrument Date	Jul 14, 2021
Instrument	202134545
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	CHICAGO TITLE ALBANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 UNION ST, 108, SCHENECTADY, NY 12305-1779

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SPY GLASS CT, ALBANY, NY 12203-4925

Mortgage

Document Number	0000034546
Date	Jul 21, 2021
Instrument	202134546

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 UNION ST, SCHENECTADY, NY 12305-1779
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022286
Date	May 19, 2017
Book Page	4761/211
Instrument	201722286

Lender

Name	APM MANAGEMENT SERVICES LLC
Type	Non-Lending Institution
Address	SCHENECTADY, NY 12305

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 31, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2017

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 UNION ST, SCHENECTADY, NY 12305-1779
Document Number	0000040419
Book / Page	004786 / 000064
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	108 UNION ST SCHENECTADY NY 123051702, SCHENECTADY, NY 12305-1702

Mortgage

Document Number	0000040419
Date	Sep 7, 2017
Book Page	004786/000064
Instrument	40419

Lender

Name	AJITE LLC
Address	1015 CENTRAL AVE # B, ALBANY, NY 12205-3554

Agreement

Amount	Amount on Record

May 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SCHENECTADY NY
Property Address	108 UNION ST, SCHENECTADY, NY 12305-1779
Document Number	0000021421
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 UNION ST SCHENECTADY NY 123051710, SCHENECTADY, NY 12305-1710

Mortgage

Document Number	0000021421
Date	May 12, 2017
Book Page	004760/000301
Instrument	21421

Lender

Name	APM MANAGEMENT SERVICES LLC
Address	6 UNION ST, SCHENECTADY, NY 12305-1710

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Interest

Rate	5%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	108 UNION ST, SCHENECTADY, NY 12305-1779
Document Number	0000021422
Instrument Date	May 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6 UNION ST SCHENECTADY NY 123051710, SCHENECTADY, NY 12305-1710

Mortgage

Document Number	0000021422
Date	May 12, 2017
Book Page	004760/000315
Instrument	21422

Lender

Name	REZA MAHOUTCHIAN
Address	249 LAKE RD, BALLSTON LAKE, NY 12019-1818

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 108 Union St was $20,573, up 0.8% 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	$20,573.00 (+0.77%)
2025	$20,415.00	$485,900 Land $52,600 Building $433,300	$804,603 Land $87,100 Building $717,503
2023		$485,900 (-) Land $52,600 Building $433,300	$615,063 (+3.8%) Land $66,582 Building $548,481
2022		$485,900 Land $52,600 Building $433,300	$592,561 Land $64,146 Building $528,415
2021	$20,174.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 108 Union St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

The area around 108 Union 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 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.

Nearby Properties on Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures