Schenectady County and Schenectady City property record for 120 Chiswell Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,408 sqft · built 1905 |
| Lot Size | 0.281 acres (12,260 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,786 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jul 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.55-4-48 |
| Primary APN | 421500 60.55-4-48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 880 sqft |
| 2nd Floor Area | 528 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,260 sqft (0.281 acres) |
| Lot Dimensions | 147 ft deep x 83.4 ft wide |
| Porch | Slab |
| Porch Area | 320 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 CHISWELL RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 402 2 WOOD |
| Legal Block | 4 |
| Legal Lot Number | 48.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of October 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 120 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Jul 7, 2017 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 120 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 120 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Document Number | 0000052778 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 5160/299 |
| Instrument | 202152778 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 13, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 120 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Document Number | 0000032427 |
| Book / Page | 004774 / 000341 |
| Instrument Date | Jul 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Address | 120 CHISWELL RD SCHENECTADY NY 123043804, SCHENECTADY, NY 12304-3804 |
| Document Number | 0000032427 |
|---|---|
| Date | Jul 20, 2017 |
| Book Page | 004774/000341 |
| Instrument | 32427 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2047 |
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 | $4,786.00 (+125.97%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,118.00 (+13.26%) | $117,100 (-) Land $17,600 Building $99,500 | $193,906 (+30.82%) Land $29,144 Building $164,762 |
| 2023 | $117,100 (-) Land $17,600 Building $99,500 | $148,228 (+3.8%) Land $22,279 Building $125,949 | |
| 2022 | $117,100 Land $17,600 Building $99,500 | $142,805 Land $21,463 Building $121,342 | |
| 2021 | $1,870.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | None beyond 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 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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