128 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 128 Front St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,482 sqft · built 1890
Lot Size	0.091 acres (3,997 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (May 2014)
Tax Bill	$7,127 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.55-3-12`

Property Details

APN / Parcel Number

Primary APN	`421500 39.55-3-12`
Alternative APN	`150003905500030120000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,482 sqft Total Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,250 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,997 sqft (0.091 acres)
Lot Dimensions	140 ft deep x 28.6 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	128 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1304
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Subdivision	FIRST RELD CHURCH OF SCHENECTADY
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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	Individual Name on Record
Mailing Address	128 FRONT ST, SCHENECTADY, NY 12305-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2014 · Amount on Record
Deed Sale	May 9, 2014 · Amount on Record
Prior Sale	Mar 17, 2009 · Amount on Record
Deed Document Number	201418463
Deed Book / Page	1893 / 682
Prior Transfer Date	Sep 10, 2002
Prior Transfer Doc	1632000779
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	128 FRONT ST, SCHENECTADY, NY 12305-1304
Transaction Type	Mortgage
Record Updated	Jan 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055791
Date	Nov 8, 2021
Book Page	5165/531
Instrument	202155791

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	128 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000035425
Instrument Date	Nov 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 FRONT ST SCHENECTADY NY 123051304, SCHENECTADY, NY 12305-1304

Mortgage

Document Number	0000035425
Date	Nov 13, 2020
Book Page	005040/000306
Instrument	35425

Lender

Name	SUNMARK CU
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2035

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	$7,127.00 (+2.95%)
2025	$6,923.00 (+6.31%)	$126,000 (-) Land $18,900 Building $107,100	$208,644 (+30.82%) Land $31,297 Building $177,347
2023		$126,000 (-) Land $18,900 Building $107,100	$159,494 (+3.8%) Land $23,924 Building $135,570
2022		$126,000 Land $18,900 Building $107,100	$153,659 Land $23,049 Building $130,610
2021	$6,512.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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