1309 Lark St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 1309 Lark St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1950
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Nov 2025)
Tax Bill	$7,000 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.77-1-21`

Property Details

APN / Parcel Number

Primary APN	`421500 49.77-1-21`
Alternative APN	`150004907700010210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1309 LARK ST
City	SCHENECTADY
State	NY
Zip	12306-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	118 119 120 1 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1011
Census Tract	33200

Owner

1309 Lark St is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1309 LARK ST, SCHENECTADY, NY 12306-4833
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION
Nov 25, 2025	Warranty Deed, Transfer · Conventional Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Deed Document Number	202527839
Deed Book / Page	2161 / 370
Prior Transfer Date	Nov 5, 2025
Prior Transfer Doc	0000027839
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 23, 2026
Property Address	1309 LARK ST, SCHENECTADY, NY 12306-4833
Document Number	0000014122
Instrument Date	Jun 16, 2026
Instrument	202614122
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 LARK ST, SCHENECTADY, NY 12306-4833

Mortgage

Document Number	0000014122,
Date	Jun 23, 2026
Instrument	202614122

Lender

Name	BAY VIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 25, 2025
Property Address	1309 LARK ST, SCHENECTADY, NY 12306-4833
Document Number	0000027839
Instrument Date	Nov 5, 2025
Instrument	202527839
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FORD & REALE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1309 LARK ST, SCHENECTADY, NY 12306-4833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 LARK ST, SCHENECTADY, NY 12306-4833

Mortgage

Document Number	0000027840
Date	Nov 25, 2025
Instrument	202527840

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 1309 Lark St was $7,000, up 48% 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	$7,000.00 (+47.96%)
2025	$4,731.00	$122,300 (-) Land $18,300 Building $104,000	$202,517 (+13.35%) Land $30,303 Building $172,214
2024		$122,300 (-) Land $18,300 Building $104,000	$178,671 (+15.41%) Land $26,735 Building $151,936
2023		$122,300 (-) Land $18,300 Building $104,000	$154,810 (+3.8%) Land $23,165 Building $131,645
2022		$122,300 Land $18,300 Building $104,000	$149,146 Land $22,317 Building $126,829
2021	$4,359.00

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

Flood

FEMA maps place 1309 Lark St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · rainfall accumulation

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

Wildfire risk around 1309 Lark St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 264 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

May also be available: Greenlight Networks.

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