115 N Ferry St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 115 N Ferry St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,334 sqft · built 1845
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Aug 2024)
Tax Bill	$6,554 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`421500 39.55-1-34`

Property Details

APN / Parcel Number

Primary APN	`421500 39.55-1-34`
Alternative APN	`150003905500010340000000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,334 sqft Total Area
1st Floor Area	1,132 sqft
2nd Floor Area	1,202 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1845
Effective Year Built	Effective 1845
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,750 sqft (0.086 acres)
Lot Dimensions	150 ft deep x 25 ft wide
Porch	Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	115 N FERRY ST
City	SCHENECTADY
State	NY
Zip	12305-1610
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	1
Legal Lot Number	34.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
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

115 N Ferry St, a duplex, is owned by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	31 FRONT ST, SCHENECTADY, NY 12305-1301
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2024 · Amount on File
Deed Sale	Aug 13, 2024 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	202447639
Deed Book / Page	2135 / 491
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 7, 2020
Property Address	115 N FERRY ST, SCHENECTADY, NY 12305-1610
Document Number	0000038541
Book / Page	2047 / 303
Instrument Date	Nov 12, 2020
Instrument	202038541
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	413 WILLIE RD, 413, GLOVERSVILLE, NY 12078-6627

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 DELAWARE TURNPIKE, VOORHEESVILLE, NY 12186

Mortgage

Document Number	0000038542
Date	Dec 7, 2020
Instrument	202038542

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 115 N Ferry St was $6,554, up 3.1% 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	$6,554.00 (+3.15%)
2025	$6,354.00	$112,100 Land $16,800 Building $95,300	$185,627 Land $27,819 Building $157,808
2023		$112,100 (-) Land $16,800 Building $95,300	$141,899 (+3.8%) Land $21,266 Building $120,633
2022		$112,100 Land $16,800 Building $95,300	$136,707 Land $20,488 Building $116,219
2021	$5,948.00

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

Flood

FEMA maps place 115 N Ferry St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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
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

The area around 115 N Ferry St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20