113 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 113 Union St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 4,424 sqft · built 1890
Lot Size	0.149 acres (6,528 sqft)
Owner	2 Individual Names on Record
Last Sale	$401,500 (Apr 2022)
Tax Bill	$12,296 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-1-29`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-1-29`
Alternative APN	`150003906300010290000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,424 sqft Living Area
1st Floor Area	2,192 sqft
2nd Floor Area	2,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Brick
Lot Area	6,528 sqft (0.149 acres)
Lot Dimensions	136 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	496 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	113 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Subdivision	VAH DERB9GERT
Legal Block	1
Legal Lot Number	29.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1003
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	113 UNION ST, SCHENECTADY, NY 12305-1701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Oct 15, 2020	Bargain and Sale Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORP
Aug 14, 2019	Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Apr 24, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on Record
Deed Sale	Apr 7, 2022 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202218024
Deed Book / Page	2082 / 274
Prior Transfer Date	Apr 17, 2017
Prior Transfer Doc	0000018043
Record Updated	Jun 8, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 7, 2022
Property Address	113 UNION ST, SCHENECTADY, NY 12305-1701
Document Number	0000018024
Book / Page	2082 / 274
Instrument Date	Mar 24, 2022
Instrument	202218024
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,606.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 UNION ST, 113, SCHENECTADY, NY 12305-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	912 PRESIDENT ST # 3, 3, BROOKLYN, NY 11215-1604

Mortgage

Document Number	0000018025
Date	Apr 7, 2022
Instrument	202218025

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

October 2020: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 15, 2020
Property Address	113 UNION ST, SCHENECTADY, NY 12305-1701
Document Number	0000031920
Book / Page	2043 / 477
Instrument Date	Sep 28, 2020
Instrument	202031920
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$902.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 CHESTNUT ST, 42, RHINEBECK, NY 12572-1518

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	106 HUSTON ST, SCHENECTADY, NY 12302-2010

Mortgage

Document Number	0000031923
Date	Oct 15, 2020
Book Page	5029/901
Instrument	202031923

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 14, 2019
Property Address	113 UNION ST, SCHENECTADY, NY 12305-1701
Document Number	0000036360
Book / Page	2017 / 692
Instrument Date	Jul 22, 2019
Instrument	201936360
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$824.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1339 STUART ST, 1339, DENVER, CO 80204-1242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CHESNUT STREET, RHINEBECK, NY 12572-1518

Mortgage

Document Number	0000036361
Date	Aug 14, 2019
Instrument	201936361

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 24, 2017
Property Address	113 UNION ST, SCHENECTADY, NY 12305-1701
Document Number	0000018043
Book / Page	001961 / 000314
Instrument Date	Apr 17, 2017
Instrument	18043
Transaction Type	Transfer
Record Updated	Apr 28, 2017
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
Relationship	Revocable Trust
Address	113 UNION ST SCHENECTADY NY 123051701, SCHENECTADY, NY 12305-1701

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
2025	$12,296.00 (+7.94%)	$262,100 (-) Land $37,400 Building $224,700	$434,012 (+30.82%) Land $61,931 Building $372,081
2023		$262,100 (+5.01%) Land $37,400 Building $224,700	$331,772 (+9%) Land $47,342 Building $284,430
2022		$249,600 Land $37,400 Building $212,200	$304,390 Land $45,610 Building $258,780
2021	$11,391.00

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 · 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
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 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 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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