Schenectady County and Schenectady City property record for 12 White St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,533 sqft · built 1950 |
| Lot Size | 0.253 acres (11,020 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (May 2014) |
| Tax Bill | $4,709 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.27-1-20 |
| Primary APN | 421500 49.27-1-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,533 sqft Living Area |
| 1st Floor Area | 1,022 sqft |
| Upper Floors Area | 511 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 11,020 sqft (0.253 acres) |
| Lot Dimensions | 145 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 294 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 147 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12 WHITE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 20800 |
12 White St is owned and occupied by an individual who bought it in May 2014.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2014 · Amount on File |
| Deed Sale | May 21, 2014 · Amount on File |
| Deed Document Number | 201420027 |
| Deed Book / Page | 1894 / 129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 12 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Document Number | 0000050634 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 5155/450 |
| Instrument | 202150634 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 12 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 12 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Document Number | 0000050616 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 5155/415 |
| Instrument | 202150616 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
The 2026 property tax bill for 12 White St was $4,709 with a homeowner's exemption, up 3.6% from the year before.
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 | $4,709.00 (+3.63%) Homeowner's exemption | ||
| 2025 | $4,544.00 | $98,100 Land $14,700 Building $83,400 | $162,444 Land $24,342 Building $138,102 |
| 2023 | $98,100 (-) Land $14,700 Building $83,400 | $124,177 (+3.8%) Land $18,608 Building $105,569 | |
| 2022 | $98,100 Land $14,700 Building $83,400 | $119,634 Land $17,927 Building $101,707 | |
| 2021 | $4,166.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 White St in Zone X, an area of minimal flood risk.
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.
The area around 12 White St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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 |
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