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109 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 109 State St, Schenectady, NY 12305

Property Summary

Property TypeFast Food Restaurant
Details1 bd · 1 ba · 2,010 sqft · built 1986
Lot Size0.244 acres (10,609 sqft)
Owner2 Company Names on Record
Last Sale$2,107,000 (May 2024)
Tax Bill$16,077 (2026)
Deeds & MortgagesNov 2023 Sale
Nov 2023 Sale
Flood ZoneZone X (minimal risk)
APN421500 39.71-2-3

Property Details

APN / Parcel Number

Primary APN421500 39.71-2-3
Alternative APN
  • 150003907100020030000000

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area2,010 sqft Gross Area
1st Floor Area315 sqft
Fire SprinklersFire Sprinklers

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Lot Area10,609 sqft (0.244 acres)
Lot Dimensions142 ft deep x 83.1 ft wide

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address109 STATE ST
CitySCHENECTADY
StateNY
Zip12305-1707
Property CategoryCommercial
Property TypeCommercial > Retail > Fast Food Restaurant
Local Zoning Code05 - COMME
Legal Description1 BRICK
Legal Block2
Legal Lot Number3.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1023
Census Tract33500

Owner

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 Record2 Company Names on Record
Mailing Address12092 W KIND LN, KUNA, ID 83634-2622
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2023Lease, Transfer
CHICAGO TITLE ALBANY
Nov 13, 2023Bargain and Sale Deed, Transfer
CHICAGO TITLE ALBANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 2024 · Amount on Record
Deed SaleMay 31, 2024 · Amount on Record
Prior SaleJan 31, 2024 · Amount on Record
Deed Document Number202432590
Deed Book / Page2132 / 42
Prior Transfer DateAug 28, 2014
Prior Transfer Doc0000051397
Record UpdatedOct 29, 2026

November 2023: Lease, Transfer

Document TypeLease
JurisdictionSCHENECTADY NY
Recording DateNov 13, 2023
Property Address109 STATE ST, SCHENECTADY, NY 12305-1707
Document Number0000063840
Book / Page2119 / 436
Instrument DateOct 24, 2023
Instrument202363840
Transaction TypeTransfer
Record UpdatedDec 4, 2023
Title CompanyCHICAGO TITLE ALBANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11141 OVERBROOK RD STE 400, 400, LEAWOOD, KS 66211-2210

November 2023: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionSCHENECTADY NY
Recording DateNov 13, 2023
Property Address109 STATE ST, SCHENECTADY, NY 12305-1707
Document Number0000063841
Book / Page2119 / 441
Instrument DateOct 23, 2023
Instrument202363841
Transaction TypeTransfer
Record UpdatedFeb 20, 2024
Title CompanyCHICAGO TITLE ALBANY

Transaction

AmountAmount Recorded
Tax$4,400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 354, CLINTON, NY 13323-0354

Transferred To (Grantee/Buyer)

NameVerified Name
Address11141 OVERBROOK RD STE 400, 400, LEAWOOD, KS 66211-2210
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$16,077.00 (+0.78%)
2025$15,952.00 (+1.46%)$375,000 (-) Land $30,300 Building $344,700$620,964 (+30.82%) Land $50,174 Building $570,790
2023$375,000 (-) Land $30,300 Building $344,700$474,684 (+3.8%) Land $38,354 Building $436,330
2022$375,000 Land $30,300 Building $344,700$457,317 Land $36,951 Building $420,366
2021$15,722.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 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 RiskNot 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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