1305 4th Ave, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 1305 4th Ave, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,152 sqft · built 1920
Lot Size	0.151 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Oct 2024)
Tax Bill	$7,294 (2026)
Deeds & Mortgages	Oct 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.54-2-7`

Property Details

APN / Parcel Number

Primary APN	`421500 49.54-2-7`
Alternative APN	`150004905400020070000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,152 sqft Total Area
1st Floor Area	1,076 sqft
2nd Floor Area	1,076 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,600 sqft (0.151 acres)
Lot Dimensions	200 ft deep x 33 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	408 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1305 4TH AVE
City	SCHENECTADY
State	NY
Zip	12303-1619
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	PART OF 2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2001
Census Tract	21400

Owner

1305 4th Ave, a duplex, is owned by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 CHURCH ST, HASBROUCK HEIGHTS, NJ 07604-1509
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2024 · Amount on File
Deed Sale	Oct 30, 2024 · Amount on File
Prior Sale	Jan 12, 1999 · Amount on File
Deed Document Number	202465314
Deed Book / Page	2140 / 984
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 30, 2024
Property Address	1305 4TH AVE, SCHENECTADY, NY 12303-1619
Document Number	0000065314
Book / Page	2140 / 984
Map Reference	CAB A MAP 27
Instrument Date	Oct 17, 2024
Instrument	202465314
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,272.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1305 4TH AVE, SCHENECTADY, NY 12303-1619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CHURCH ST, HASBROUCK HEIGHTS, NJ 07604-1509

Mortgage

Document Number	0000065315
Date	Oct 30, 2024
Instrument	202465315

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 1305 4th Ave was $7,294, up 145.8% 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	$7,294.00 (+145.75%)
2025	$2,968.00	$84,000 Land $12,600 Building $71,400	$139,096 Land $20,864 Building $118,232
2023		$84,000 (-) Land $12,600 Building $71,400	$106,329 (+3.8%) Land $15,949 Building $90,380
2022		$84,000 Land $12,600 Building $71,400	$102,439 Land $15,366 Building $87,073
2021	$1,763.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1305 4th Ave 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 1305 4th Ave 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 729 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