123 Jay St, Schenectady, NY 12302 Property Records

Schenectady County and Glenville Town property record for 123 Jay St, Schenectady, NY 12302

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,000 sqft · built 1920
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on File
Tax Bill	$7,056 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`422201 29.82-3-49`

Property Details

APN / Parcel Number

Primary APN	`422201 29.82-3-49`
Alternative APNs	`220102908200030490000000` `A05820`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,000 sqft Total Area
1st Floor Area	1,000 sqft
2nd Floor Area	1,000 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	100 ft deep x 54 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	A05820
Street Address	123 JAY ST
City	SCHENECTADY
State	NY
Zip	12302-1503
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RES
Legal Description	SCOTIA HIGHLANDS = 1 L84 HLG
Legal Block	3
Legal Lot Number	49.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	GLENVILLE
Census Block Group	3
Census Block	3004
Census Tract	32300

Owner

Source: Schenectady County and Glenville Town assessment roll, APN 422201 29.82-3-49, as of April 14, 2026 · Last verified April 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 File
Mailing Address	218 4TH ST, SCHENECTADY, NY 12302-1934
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jun 14, 2016
Transfer Doc	0000027674
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	123 JAY ST, SCHENECTADY, NY 12302-1503
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 JAY ST, SCOTIA, NY 12302-1503

Mortgage

Document Number	0000003721
Date	Feb 23, 2026
Instrument	202603721

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 15, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Schenectady County and Glenville Town assessment roll as of April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Glenville Town
Municipality	Scotia Village
Unified School District	Scotia-Glenville Central School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,056.00	$138,400 (-) Land $18,100 Building $120,300	$251,636 (+23.64%) Land $32,909 Building $218,727
2023		$138,400 Land $18,100 Building $120,300	$203,529 Land $26,618 Building $176,911

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), as of January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930323003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2014 · other causes

Wildfire

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 are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 470 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY4600071, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCOTIA VILLAGE WATER WORKS serves 12,800 people
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Jan 2021
Monitoring and Reporting	3 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.