Schenectady County and Schenectady City property record for 1209 Union St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,606 sqft · built 1900 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Apr 2019) |
| Tax Bill | $3,814 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.83-1-5 |
| Primary APN | 421500 39.83-1-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,606 sqft Living Area |
| 1st Floor Area | 710 sqft |
| 2nd Floor Area | 640 sqft |
| Upper Floors Area | 256 sqft |
| Attic | Attic |
| Attic Area | 256 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 3,750 sqft (0.086 acres) |
| Lot Dimensions | 150 ft deep x 25 ft wide |
| Porch | Slab |
| Porch Area | 408 sqft |
| Canopy | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1209 UNION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-2903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 33400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1209 Union St is owned and occupied by an individual who bought it in April 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| 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 |
|---|---|
| Apr 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Apr 29, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Oct 30, 2018 | Deed, Transfer · Line of Credit RESIDENTIAL CAPTIAL PARTNERS SECURE |
| Apr 13, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2019 · Amount on File |
| Deed Sale | Apr 29, 2019 · Amount on File |
| Prior Sale | Oct 30, 2018 · Amount on File |
| Deed Document Number | 201918199 |
| Deed Book / Page | 2010 / 100 |
| Prior Transfer Date | Mar 16, 2018 |
| Prior Transfer Doc | 0000015729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Document Number | 0000019871 |
|---|---|
| Date | Apr 7, 2023 |
| Book Page | 5298/781 |
| Instrument | 202319871 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | May 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Document Number | 0000011358 |
|---|---|
| Date | Mar 18, 2021 |
| Book Page | 5080/493 |
| Instrument | 202111358 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 29, 2019 |
| Property Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Document Number | 0000018199 |
| Book / Page | 002010 / 000100 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 18199 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2019 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1077 FOREST RD SCHENECTADY NY 123031147, SCHENECTADY, NY 12303-1147 |
| Document Number | 18200 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 004908/000024 |
| Instrument | 18200 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 30, 2018 |
| Property Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Document Number | 0000048087 |
| Book / Page | 1998 / 866 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 201848087 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | AMERICAN LAND TITLE ASSOCIAT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1209 UNION ST, 1209, SCHENECTADY, NY 12308-2903 |
| Name | Verified Name |
|---|---|
| Address | 2 PROGRESS DR UNIT 4707, 4707, HALFMOON, NY 12065-8930 |
| Document Number | 0000048088 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 201848088 |
| Name | RESIDENTIAL CAPTIAL PARTNERS SECURE |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 13, 2018 |
| Property Address | 1209 UNION ST, SCHENECTADY, NY 12308-2903 |
| Document Number | 0000015729 |
| Book / Page | 001984 / 000984 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 15729 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 888 RANDALL RD NISKAYUNA NY 123094816, NISKAYUNA, NY 12309-4816 |
The 2026 property tax bill for 1209 Union St was $3,814, up 2.8% 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 | $3,814.00 (+2.8%) | ||
| 2025 | $3,710.00 | $68,500 Land $10,300 Building $58,200 | $113,429 Land $17,056 Building $96,373 |
| 2023 | $68,500 (-) Land $10,300 Building $58,200 | $86,709 (+3.8%) Land $13,038 Building $73,671 | |
| 2022 | $68,500 Land $10,300 Building $58,200 | $83,537 Land $12,561 Building $70,976 | |
| 2021 | $3,498.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1209 Union 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 1209 Union 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 746 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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