11 Charles St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 11 Charles St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,960 sqft · built 1873
Lot Size	0.093 acres (4,060 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Mar 2016)
Tax Bill	$5,647 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.68-1-31`

Property Details

APN / Parcel Number

Primary APN	`421500 49.68-1-31`
Alternative APN	`150004906800010310000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,960 sqft Total Area
1st Floor Area	980 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1873
Effective Year Built	Effective 1873
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,060 sqft (0.093 acres)
Lot Dimensions	140 ft deep x 29 ft wide
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	11 CHARLES ST
City	SCHENECTADY
State	NY
Zip	12304-2815
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	AGED AFFIDAVIT REQUIRED 2 WOOD
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1009
Census Tract	21700

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	Individual Name on File
Mailing Address	1552 FOSTER AVE, SCHENECTADY, NY 12308-1822
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2016 · Amount on File
Deed Sale	Mar 15, 2016 · Amount on File
Prior Sale	Mar 7, 2008 · Amount on File
Deed Document Number	201610859
Deed Book / Page	1933 / 71
Prior Transfer Date	Mar 11, 2016
Prior Transfer Doc	0000010859
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 1, 2023
Property Address	11 CHARLES ST, SCHENECTADY, NY 12304-2815
Document Number	0000067731
Book / Page	2120 / 479
Instrument Date	Nov 15, 2023
Instrument	202367731
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 VISTA DRA, SCOTIA, NY 12302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1552 FOSTER AVE, SCHENECTADY, NY 12308-1822

Mortgage

Document Number	0000067734
Date	Dec 1, 2023
Instrument	202367734

Lender

Name	JOHN FALLARINO
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	72 Months
Due	Dec 1, 2029

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	$5,647.00 (+4.5%)
2025	$5,404.00	$88,900 (-) Land $13,300 Building $75,600	$147,210 (+30.82%) Land $22,024 Building $125,186
2023		$88,900 (-) Land $13,300 Building $75,600	$112,532 (+3.8%) Land $16,835 Building $95,697
2022		$88,900 Land $13,300 Building $75,600	$108,415 Land $16,220 Building $92,195

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

Flood

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.

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 639 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 Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20