1306 Union St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 1306 Union St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,803 sqft · built 1779
Lot Size	0.542 acres (23,622 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (May 2026)
Tax Bill	$10,518 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.84-1-81`

Property Details

APN / Parcel Number

Primary APN	`421500 39.84-1-81`
Alternative APN	`150003908400010810000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,803 sqft Living Area
1st Floor Area	2,010 sqft
Upper Floors Area	793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1779
Effective Year Built	Effective 1779
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	23,622 sqft (0.542 acres)
Lot Dimensions	186 ft deep x 127 ft wide
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1306 UNION ST
City	SCHENECTADY
State	NY
Zip	12308-3031
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	1X WOOD AND 1X WOOD AND GARAGE
Legal Block	1
Legal Lot Number	81.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2005
Census Tract	20600

Historic Designation

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.

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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 Record
Mailing Address	1 EASTVIEW DR, 7, WATERVLIET, NY 12189-1671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Aug 28, 2000 · Amount on Record
Deed Document Number	202611503
Deed Book / Page	2172 / 419
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 18, 2026
Property Address	1306 UNION ST, SCHENECTADY, NY 12308-3031
Document Number	0000011503
Book / Page	2172 / 419
Instrument Date	May 7, 2026
Instrument	2026.11503
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	AMP ABSTRACT AND TITLE SERVICES, PAC ABSTRACT AND TITLE SERVICE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169,680.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011504,
Date	May 18, 2026
Instrument	2026.11504

Lender

Name	BAY VIEW FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$10,518.00 (+2.73%) Homeowner's exemption Veteran's exemption
2025	$10,238.00 (+6.82%)	$236,800 (-) Land $35,500 Building $201,300	$392,118 (+30.82%) Land $58,785 Building $333,333
2023		$236,800 (-) Land $35,500 Building $201,300	$299,747 (+3.8%) Land $44,937 Building $254,810
2022		$236,800 Land $35,500 Building $201,300	$288,780 Land $43,293 Building $245,487
2021	$9,584.00

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

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

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 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