Schenectady County and Schenectady City property record for 1181 McClellan St, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 772 sqft · built 1951 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,625 (May 2001) |
| Tax Bill | $5,380 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Nov 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.78-1-16 |
| Primary APN | 421500 40.78-1-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 772 sqft Living Area |
| 1st Floor Area | 772 sqft |
| Basement Area | 319 sqft |
| Finished Basement | 319 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Pool Area | 314 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1181 MCCLELLAN ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-5627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 20500 |
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 | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Nov 26, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Sep 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MOHAWK PROGRESSIVE FCU |
| Apr 29, 2022 | Deed of Trust, Mortgage MOHAWK PROGRESSIVE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2001 · Amount on Record |
| Deed Sale | May 16, 2001 · Amount on Record |
| Deed Book / Page | 1601 / 199 |
| Last Transfer Date | Jul 23, 2003 |
| Transfer Doc | 1656000599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 8, 2026 |
| Property Address | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Document Number | 0000019840 |
| Instrument Date | Aug 15, 2026 |
| Instrument | 202619840 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Document Number | 0000019840, |
|---|---|
| Date | Sep 8, 2026 |
| Instrument | 202619840 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000027948 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 202527948 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000050770 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | 5329/207 |
| Instrument | 202350770 |
| Name | MOHAWK PROGRESSIVE FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12304 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Aug 30, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1181 MCCLELLAN ST, SCHENECTADY, NY 12309-5627 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000022654 |
|---|---|
| Date | Apr 29, 2022 |
| Book Page | 5222/889 |
| Instrument | 202222654 |
| Name | MOHAWK PROGRESSIVE FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12304 |
| Amount | Amount Recorded |
|---|---|
| Term | 179 Months |
| Due | Mar 30, 2037 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,380.00 (+3.28%) Homeowner's exemption | ||
| 2025 | $5,209.00 (+7.8%) | $115,500 (-) Land $17,300 Building $98,200 | $191,257 (+30.82%) Land $28,647 Building $162,610 |
| 2023 | $115,500 (-) Land $17,300 Building $98,200 | $146,203 (+3.8%) Land $21,899 Building $124,304 | |
| 2022 | $115,500 Land $17,300 Building $98,200 | $140,854 Land $21,098 Building $119,756 | |
| 2021 | $4,832.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 823 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 |
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