Schenectady County and Schenectady City property record for 120 Division St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,548 sqft · built 1900 |
| Lot Size | 0.108 acres (4,719 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,474 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.52-2-5 |
| Primary APN | 421500 49.52-2-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,548 sqft Living Area |
| 1st Floor Area | 852 sqft |
| 2nd Floor Area | 696 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,719 sqft (0.108 acres) |
| Lot Dimensions | 143 ft deep x 33 ft wide |
| Garage Type | Mixed |
| Garage Area | 300 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 630 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 DIVISION ST, SCHENECTADY, NY 12304-1106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2021 |
| Deed Sale | Aug 5, 2021 |
| Prior Sale | Oct 12, 2001 · Amount on File |
| Deed Document Number | 202137862 |
| Deed Book / Page | 2064 / 267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 5, 2021 |
| Property Address | 120 DIVISION ST, SCHENECTADY, NY 12304-1106 |
| Document Number | 0000037862 |
| Book / Page | 2064 / 267 |
| Map Reference | CAB B MAP 179 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 202137862 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $760.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 14326 FERNDALE AVE, JAMAICA, NY 11435-5608 |
| Document Number | 0000037865 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 202137865 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
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 | $4,474.00 (+2.5%) | ||
| 2025 | $4,365.00 (+23.44%) | $84,500 (-) Land $12,700 Building $71,800 | $139,924 (+30.82%) Land $21,030 Building $118,894 |
| 2023 | $84,500 (-) Land $12,700 Building $71,800 | $106,962 (+3.8%) Land $16,076 Building $90,886 | |
| 2022 | $84,500 Land $12,700 Building $71,800 | $103,049 Land $15,488 Building $87,561 | |
| 2021 | $3,536.00 |
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 | 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 924 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 |
May also be available: T-Mobile.
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