1202 State St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1202 State St, Schenectady, NY 12304

Property Summary

Property Type	Mixed Use Store/Office
Details	1,816 sqft · built 1985
Lot Size	0.469 acres (20,418 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Nov 1993)
Tax Bill	$18,229 (2026)
Deeds & Mortgages	May 2020 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-2-1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-2-1`
Alternative APN	`150004905900020010000000`

Interior

Stories	1 Story
Building Area	1,816 sqft Gross Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Lot Area	20,418 sqft (0.469 acres)
Lot Dimensions	269 ft deep x 78.3 ft wide
Porch	Porch
Porch Area	50 sqft
Canopy	217 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1202 STATE ST
City	SCHENECTADY
State	NY
Zip	12304
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	05 - COMME
Legal Description	D C & P/O H I J 1 BLOCK
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1006
Census Tract	21700

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1200 STATE ST, SCHENECTADY, NY 12304-2612
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 8, 2020	Deed of Trust, Mortgage · Line of Credit THE BANK OF GREENE COUNTY
May 8, 2020	Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF GREENE COUNTY
Apr 10, 2020	Loan Modification, Mortgage BANK OF GREENE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 1993 · Amount on Record
Deed Sale	Nov 15, 1993 · Amount on Record
Deed Book / Page	1398 / 117
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1202 STATE ST, SCHENECTADY, NY 12304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013657
Date	May 8, 2020
Book Page	4987/325
Instrument	202013657

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1202 STATE ST, SCHENECTADY, NY 12304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013646
Date	May 8, 2020
Book Page	4987/265
Instrument	202013646

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	1202 STATE ST, SCHENECTADY, NY 12304
Document Number	0000013651
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1200 STATE ST SCHENECTADY NY 123042612, SCHENECTADY, NY 12304-2612

Mortgage

Document Number	0000013651
Date	May 8, 2020
Book Page	004987/000282
Instrument	13651

Lender

Name	BANK OF GREENE CNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,229.00 (+0.76%)
2025	$18,092.00 (+0.99%)	$441,900 (-) Land $38,600 Building $403,300	$731,744 (+30.82%) Land $63,918 Building $667,826
2023		$441,900 (-) Land $38,600 Building $403,300	$559,367 (+3.8%) Land $48,861 Building $510,506
2022		$441,900 Land $38,600 Building $403,300	$538,902 Land $47,073 Building $491,829
2021	$17,915.00

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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