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12 N Ferry St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 12 N Ferry St, Schenectady, NY 12305

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,977 sqft · built 1860
Lot Size0.085 acres (3,724 sqft)
OwnerIndividual Name on File
Last Sale$260,000 (Jan 2021)
Tax Bill$9,174 (2023)
Deeds & MortgagesJan 2021 Sale
Flood ZoneZone X (minimal risk)
APN421500 39.63-2-49

Property Details

APN / Parcel Number

Primary APN421500 39.63-2-49
Alternative APN
  • 150003906300020490000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,977 sqft Living Area
1st Floor Area1,511 sqft
2nd Floor Area1,466 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1860
Effective Year BuiltEffective 1860
Architectural StyleTraditional
Exterior MaterialBrick
Lot Area3,724 sqft (0.085 acres)
Lot Dimensions140 ft deep x 26.6 ft wide
PorchSlab
Porch Area240 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address12 N FERRY ST
CitySCHENECTADY
StateNY
Zip12305-1609
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description2 BRICK
Legal Subdivision12 NORTH FERRY STREET
Legal Block2
Legal Lot Number49.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1012
Census Tract33500

Historic Designation

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

Historic DistrictWithin 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

12 N Ferry St is owned and occupied by an individual who bought it in January 2021.

Source: Schenectady County and Schenectady City records, as of April 14, 2026

Owner of RecordIndividual Name on File
Mailing Address12 N FERRY ST, SCHENECTADY, NY 12305-1609
OccupancyOwner Occupied
Owner TypeIndividual

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 NamesName on Deed
Last SaleJan 11, 2021 · Amount on File
Deed SaleJan 11, 2021 · Amount on File
Prior SaleNov 5, 2008 · Amount on File
Deed Document Number20211063
Deed Book / Page2049 / 751
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJan 11, 2021
Property Address12 N FERRY ST, SCHENECTADY, NY 12305-1609
Document Number0000001063
Book / Page002049 / 000751
Instrument DateJan 5, 2021
Instrument1063
Transaction TypeTransfer
Record UpdatedJan 22, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$1,040.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address29 KAPINUS RD SCOTT TOWNSHIP PA 184337794, SCOTT TOWNSHIP, PA 18433-7794

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$197,500 Land $29,600 Building $167,900$327,041 Land $49,015 Building $278,026
2023$9,174.00$197,500 (-) Land $29,600 Building $167,900$250,000 (+3.8%) Land $37,468 Building $212,532
2022$197,500 Land $29,600 Building $167,900$240,854 Land $36,098 Building $204,756
2021$9,043.00

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

Flood

FEMA maps place 12 N Ferry St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 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 12 N Ferry 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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