123 Jay St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 123 Jay St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	8,793 sqft · built 1972
Lot Size	0.086 acres (3,729 sqft)
Owner	Company Name on File
Last Sale	$525,000 (Jul 2022)
Tax Bill	$11,715 (2026)
Deeds & Mortgages	Jul 2022 Sale Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.72-4-44`

Property Details

APN / Parcel Number

Primary APN	`421500 39.72-4-44`
Alternative APN	`150003907200040440000000`

Interior

Stories	3 Stories
Building Area	8,793 sqft Gross Area
Basement Area	2,627 sqft
Unfinished Basement	2,627 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	3,729 sqft (0.086 acres)
Lot Dimensions	101 ft deep x 36.8 ft wide
Porch	Slab
Porch Area	330 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	123 JAY ST
City	SCHENECTADY
State	NY
Zip	12305-1903
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05
Legal Description	3 BRICK
Legal Block	4
Legal Lot Number	44.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1009
Census Tract	21001

Owner

123 Jay St, a commercial property, is owned by a company that bought it in July 2022.

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

Owner of Record	Company Name on File
Mailing Address	10 BOND ST, 300, GREAT NECK, NY 11021-2454
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Bargain and Sale Deed, Transfer
Apr 3, 2019	Grant Deed, Transfer · Conventional Mortgage GINA SITA-MOLZ
Sep 20, 2018	Loan Modification, Mortgage INTERBAY FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2022 · Amount on File
Deed Sale	Jul 8, 2022 · Amount on File
Prior Sale	Apr 3, 2019 · Amount on File
Deed Document Number	202235719
Deed Book / Page	2088 / 17
Record Updated	Oct 29, 2026

July 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 8, 2022
Property Address	123 JAY ST, SCHENECTADY, NY 12305-1903
Document Number	0000035719
Book / Page	2088 / 17
Instrument Date	May 27, 2022
Instrument	202235719
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Amount	Amount on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12417 101ST AVE, 12417, SOUTH RICHMOND HILL, NY 11419-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BOND ST # 300, 300, GREAT NECK, NY 11021-2454

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 3, 2019
Property Address	123 JAY ST, SCHENECTADY, NY 12305-1903
Document Number	0000014467
Book / Page	002008 / 000667
Instrument Date	Jan 16, 2019
Instrument	14467
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	JUDICIAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	123-127 JAY ST SCHENECTADY NY 123051903, SCHENECTADY, NY 12305-1903

Mortgage

Document Number	14470
Date	Apr 3, 2019
Book Page	004903/000419
Instrument	14470

Lender

Name	GINA SITA-MOLZ
Address	401 LINDEN ST, BELLMORE, NY 11710-3459

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	123 JAY ST, SCHENECTADY, NY 12305-1903
Document Number	0000043830
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	WEBTITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 JAY ST SCHENECTADY NY 123051903, SCHENECTADY, NY 12305-1903

Mortgage

Document Number	0000043830
Date	Oct 3, 2018
Book Page	004868/000808
Instrument	43830

Lender

Name	INTERBAY FNDG
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	300 Months
Due	Oct 2, 2043

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 123 Jay St was $11,715, down 0.9% from the year before.

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	$11,715.00 (-0.91%)
2025	$11,822.00	$265,800 Land $13,100 Building $252,700	$440,139 Land $21,692 Building $418,447
2023		$265,800 (-) Land $13,100 Building $252,700	$336,456 (+3.8%) Land $16,582 Building $319,874
2022		$265,800 Land $13,100 Building $252,700	$324,146 Land $15,976 Building $308,170
2021	$13,105.00

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

Flood

FEMA maps place 123 Jay 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.

Wildfire

The area around 123 Jay 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.

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 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

Nearby Properties on Jay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures