Schenectady County and Schenectady City property record for 11 N Jay St, Schenectady, NY 12305
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,920 sqft · built 1900 |
| Lot Size | 0.048 acres (2,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,956 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.64-2-18 |
| Primary APN | 421500 39.64-2-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 960 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Stone |
| Lot Area | 2,100 sqft (0.048 acres) |
| Lot Dimensions | 84 ft deep x 25 ft wide |
| Porch | Slab |
| Porch Area | 144 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 11 N JAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20300 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 11 N JAY ST, SCHENECTADY, NY 12305-1133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed of Trust, Mortgage · Line of Credit PIONEER BANK |
| Sep 29, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2006 |
| Transfer Doc | 1727000103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 10, 2026 |
| Property Address | 11 N JAY ST, SCHENECTADY, NY 12305-1133 |
| Document Number | 0000017778 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 202617778 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 11 N JAY ST, SCHENECTADY, NY 12305-1133 |
| Document Number | 0000017778, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 202617778 |
| Name | PIONEER BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Jul 20, 2051 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 29, 2020 |
| Property Address | 11 N JAY ST, SCHENECTADY, NY 12305-1133 |
| Document Number | 0000029664 |
| Book / Page | 002042 / 000513 |
| Instrument Date | Jul 20, 2020 |
| Instrument | 29664 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 361 BROOKBEND RD FAIRFIELD CT 068243831, FAIRFIELD, CT 06824-3831 |
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 | $5,956.00 (+2.04%) | ||
| 2025 | $5,837.00 | $114,700 (-) Land $17,200 Building $97,500 | $189,932 (+30.82%) Land $28,482 Building $161,450 |
| 2023 | $114,700 Land $17,200 Building $97,500 | $145,190 Land $21,772 Building $123,418 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 13 (1980–2011) |
| Claims Outside the SFHA | 2 of 13 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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.
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.
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 554 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Massivemesh Networks.
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