Schenectady County and Schenectady City property record for 12 School St, Schenectady, NY 12304 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,374 sqft · built 1920 |
| Lot Size | 0.147 acres (6,435 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,700 (Jul 2002) |
| Tax Bill | $5,244 (2025) |
| Deeds & Mortgages | Feb 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.21-1-21.1 |
| Primary APN | 421500 60.21-1-21.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,374 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,435 sqft (0.147 acres) |
| Lot Dimensions | 99 ft deep x 65 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 420 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12 SCHOOL ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | & P/O 10 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 21.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records · APN 421500 60.21-1-21.1
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 12 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 26, 2002 · Amount on Record |
| Deed Sale | Jul 26, 2002 · Amount on Record |
| Prior Sale | Mar 03, 1993 · Amount on Record |
| Deed Book / Page | 1629 / 399 |
| Last Transfer Date | May 25, 2006 |
| Transfer Doc | 1736000344 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 12 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000019440 |
| Instrument Date | Feb 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 12 SCHOOL ST SCHENECTADY NY 123043310, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000019440 |
|---|---|
| Date | May 06, 2019 |
| Book Page | 004909/000154 |
| Instrument | 19440 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 05, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,244.00 (+7.9%) | $115,200 (-) Land $17,300 Building $97,900 | $190,760 (+30.82%) Land $28,647 Building $162,113 |
| 2023 | $115,200 (-) Land $17,300 Building $97,900 | $145,823 (+3.8%) Land $21,899 Building $123,924 | |
| 2022 | $115,200 Land $17,300 Building $97,900 | $140,488 Land $21,098 Building $119,390 | |
| 2021 | $4,860.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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