12 Chestnut St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 12 Chestnut St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,440 sqft · built 1967
Lot Size	0.114 acres (4,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,000 (Dec 2017)
Tax Bill	$5,849 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.25-4-15`

Property Details

APN / Parcel Number

Primary APN	`421500 49.25-4-15`
Alternative APN	`150004902500040150000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,440 sqft Total Area
1st Floor Area	1,220 sqft
2nd Floor Area	1,220 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,950 sqft (0.114 acres)
Lot Dimensions	150 ft deep x 33 ft wide
Porch	Slab
Porch Area	248 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 CHESTNUT ST
City	SCHENECTADY
State	NY
Zip	12307-1004
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03
Legal Description	2 WOOD
Legal Subdivision	MYNDERSE PLOT
Legal Block	4
Legal Lot Number	15.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20800

Historic Designation

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

Listed Area	Within Vale Cemetery and Vale Park listed 2004 · 6 contributing resources · NRIS 04001053

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 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	12 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Prior Sale	Nov 13, 2009 · Amount on Record
Deed Document Number	201755208
Deed Book / Page	1976 / 798
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 6, 2017
Property Address	12 CHESTNUT ST, SCHENECTADY, NY 12307-1004
Document Number	0000055208
Book / Page	001976 / 000798
Instrument Date	Nov 15, 2017
Instrument	55208
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 MCCLELLAN ST SCHENECTADY NY 123041126, SCHENECTADY, NY 12304-1126

Mortgage

Document Number	55209
Date	Dec 6, 2017
Book Page	004805/000684
Instrument	55209

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2047

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	$5,849.00 (+3.45%)
2025	$5,654.00 (+7.59%)	$95,000 (-) Land $15,300 Building $79,700	$157,311 (+30.82%) Land $25,335 Building $131,976
2023		$95,000 (-) Land $15,300 Building $79,700	$120,253 (+3.8%) Land $19,367 Building $100,886
2022		$95,000 Land $15,300 Building $79,700	$115,854 Land $18,659 Building $97,195
2021	$5,255.00

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 98% of the US · lower than 97.9% 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 615 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