112 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 112 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1900
Lot Size	0.068 acres (2,970 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Feb 2023)
Tax Bill	$4,509 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-2-3`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-2-3`
Alternative APN	`150004905200020030000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
1st Floor Area	800 sqft
2nd Floor Area	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	2,970 sqft (0.068 acres)
Lot Dimensions	90 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	112 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5005
Census Tract	20700

Owner

112 Division St is owned and occupied by two individuals who bought it in February 2023.

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	2 Individual Names on File
Mailing Address	112 DIVISION ST, SCHENECTADY, NY 12304-1106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2023 · Amount on File
Deed Sale	Feb 15, 2023 · Amount on File
Prior Sale	Apr 22, 2010 · Amount on File
Deed Document Number	20239103
Deed Book / Page	2104 / 12
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 15, 2023
Property Address	112 DIVISION ST, SCHENECTADY, NY 12304-1106
Document Number	0000009103
Book / Page	2103 / 12
Instrument Date	Jan 19, 2023
Instrument	202309103
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 DIVISION ST, SCHENECTADY, NY 12304-1106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	119 STATE ST # 2, 2, SCHENECTADY, NY 12305

Mortgage

Document Number	0000009104
Date	Feb 15, 2023
Instrument	202309104

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jan 19, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 112 Division St was $4,509, up 2.5% 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	$4,509.00 (+2.45%)
2025	$4,401.00	$81,900 Land $12,300 Building $69,600	$135,618 Land $20,368 Building $115,250
2023		$81,900 (-) Land $12,300 Building $69,600	$103,671 (+3.8%) Land $15,570 Building $88,101
2022		$81,900 Land $12,300 Building $69,600	$99,878 Land $15,000 Building $84,878
2021	$3,549.00

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

Flood

FEMA maps place 112 Division St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 112 Division St is low, with less than a 0.01% annual chance of 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 924 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

May also be available: T-Mobile.

Nearby Properties on Division St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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