11 River St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 11 River St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,930 sqft · built 1875
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Jan 2020)
Tax Bill	$5,114 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`421500 39.48-1-25`

Property Details

APN / Parcel Number

Primary APN	`421500 39.48-1-25`
Alternative APN	`150003904800010250000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,930 sqft Total Area
1st Floor Area	960 sqft
2nd Floor Area	970 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	163 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Patio Area	15 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11 RIVER ST
City	SCHENECTADY
State	NY
Zip	12305-1016
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Subdivision	BUILDING LOTS OF R MARCELLUS
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
Census Tract	20300

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 Record	2 Individual Names on Record
Mailing Address	11 RIVER ST, SCHENECTADY, NY 12305-1016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 13, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 19, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2020 · Amount on Record
Deed Sale	Jan 13, 2020 · Amount on Record
Deed Document Number	20201276
Deed Book / Page	2028 / 296
Prior Transfer Date	Jul 10, 2018
Prior Transfer Doc	0000031830
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	11 RIVER ST, SCHENECTADY, NY 12305-1016
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RIVER ST, SCHENECTADY, NY 12305-1016

Mortgage

Document Number	0000013718
Date	Mar 16, 2022
Book Page	5210/245
Instrument	202213718

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 13, 2020
Property Address	11 RIVER ST, SCHENECTADY, NY 12305-1016
Document Number	0000001276
Book / Page	2028 / 296
Map Reference	MB 8 PG 230
Instrument Date	Dec 31, 2019
Instrument	202001276
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 RIVER ST, 11, SCHENECTADY, NY 12305-1016

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2314 CROTONA AVE APT 3F, 3F, BRONX, NY 10458-8545

Mortgage

Document Number	0000001277
Date	Jan 13, 2020
Book Page	4966/29
Instrument	202001277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 19, 2018
Property Address	11 RIVER ST, SCHENECTADY, NY 12305-1016
Document Number	0000031830
Book / Page	001991 / 000784
Instrument Date	Jul 10, 2018
Instrument	31830
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RIVER ST SCHENECTADY NY 123051016, SCHENECTADY, NY 12305-1016

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	$5,114.00 (+3.84%)
2025	$4,925.00 (+8.65%)	$77,200 (-) Land $11,600 Building $65,600	$127,836 (+30.82%) Land $19,209 Building $108,627
2023		$77,200 (-) Land $11,600 Building $65,600	$97,722 (+3.8%) Land $14,684 Building $83,038
2022		$77,200 Land $11,600 Building $65,600	$94,146 Land $14,146 Building $80,000
2021	$4,533.00

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
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	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 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	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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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