114 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 114 Front St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,559 sqft · built 1750
Lot Size	0.105 acres (4,608 sqft)
Owner	2 Trust Names on File
Last Sale	$350,000 (Sep 2022)
Tax Bill	$9,780 (2026)
Deeds & Mortgages	Apr 2026 Transfer Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.55-3-6`

Property Details

APN / Parcel Number

Primary APN	`421500 39.55-3-6`
Alternative APN	`150003905500030060000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,559 sqft Living Area
1st Floor Area	1,534 sqft
Upper Floors Area	1,025 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1750
Effective Year Built	Effective 1750
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	4,608 sqft (0.105 acres)
Lot Dimensions	96 ft deep x 48 ft wide
Porch	Slab
Porch Area	157 sqft
Patio Area	342 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	114 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 BRICK FRONT
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
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

114 Front St is owner-occupied and held in a trust since March 2026.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	114 FRONT ST, SCHENECTADY, NY 12305-1304
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 1, 2022	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2022 · Amount on File
Deed Sale	Sep 1, 2022 · Amount on File
Deed Document Number	202246796
Deed Book / Page	2092 / 174
Last Transfer Date	Mar 27, 2026
Transfer Doc	0000007532
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 2, 2026
Property Address	114 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000007532
Book / Page	2169 / 569
Instrument Date	Mar 27, 2026
Instrument	20267532
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	114 FRONT ST, SCHENECTADY, NY 12305-1304

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 1, 2022
Property Address	114 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000046796
Book / Page	2092 / 174
Instrument Date	Aug 12, 2022
Instrument	202246796
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 FRONT ST, SCHENECTADY, NY 12305-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 FRONT ST, SCHENECTADY, NY 12305-1301

Mortgage

Document Number	0000046797
Date	Sep 1, 2022
Book Page	5253/439
Instrument	202246797

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	Other
Max Rate	9.87%

Tax Assessment & Valuation

The 2026 property tax bill for 114 Front St was $9,780, up 1.5% 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	$9,780.00 (+1.53%)
2025	$9,633.00	$207,400 Land $28,000 Building $179,400	$343,434 Land $46,365 Building $297,069
2023		$207,400 (+11.27%) Land $28,000 Building $179,400	$262,532 (+15.49%) Land $35,443 Building $227,089
2022		$186,400 Land $28,000 Building $158,400	$227,317 Land $34,146 Building $193,171
2021	$7,036.00

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

Flood

FEMA maps place 114 Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 114 Front 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 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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