119 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 119 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,806 sqft · built 1900
Lot Size	0.133 acres (5,833 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,948 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.51-4-27`

Property Details

APN / Parcel Number

Primary APN	`421500 49.51-4-27`
Alternative APN	`150004905100040270000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,806 sqft Living Area
1st Floor Area	903 sqft
2nd Floor Area	903 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,833 sqft (0.133 acres)
Lot Dimensions	175 ft deep x 33.3 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	574 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	119 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	FURMAN MAP 2 WOOD AND GARAGE
Legal Block	4
Legal Lot Number	27.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

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	119 DIVISION ST, SCHENECTADY, NY 12304-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUSTCO BANK
Oct 5, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	119 DIVISION ST, SCHENECTADY, NY 12304-1105
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 DIVISION ST, SCHENECTADY, NY 12304-1105

Mortgage

Document Number	0000002783
Date	Jan 11, 2024
Book Page	5352/946
Instrument	202402783

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 20, 2043

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 5, 2021
Property Address	119 DIVISION ST, SCHENECTADY, NY 12304-1105
Document Number	0000049250
Book / Page	2068 / 557
Instrument Date	Sep 29, 2021
Instrument	202149250
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 DIVISION ST, SCHENECTADY, NY 12304-1105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	956 ALBANY ST, SCHENECTADY, NY 12307-1513

Mortgage

Document Number	0000049252
Date	Oct 5, 2021
Instrument	202149252

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2051

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
2026	$4,948.00 (+2.25%)
2025	$4,839.00 (+6.7%)	$83,400 (-) Land $12,500 Building $70,900	$138,102 (+30.82%) Land $20,699 Building $117,403
2023		$83,400 (-) Land $12,500 Building $70,900	$105,570 (+3.8%) Land $15,823 Building $89,747
2022		$83,400 Land $12,500 Building $70,900	$101,707 Land $15,244 Building $86,463
2021	$4,535.00

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

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

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	Direct burnable vegetation

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.

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