Schenectady County and Schenectady City property record for 131 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1953 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Apr 2022) |
| Tax Bill | $5,470 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.55-1-34 |
| Primary APN | 421500 60.55-1-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 1,560 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 131 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 21802 |
131 Clayton Rd is owned and occupied by an individual who bought it in April 2022.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 131 CLAYTON RD, SCHENECTADY, NY 12304-3841 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2022 | Warranty Deed, Transfer · FHA Mortgage M & T BANK |
| May 9, 2018 | Warranty Deed, Transfer · Conventional with PMI SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on File |
| Deed Sale | Apr 14, 2022 · Amount on File |
| Prior Sale | May 9, 2018 · Amount on File |
| Deed Document Number | 202219381 |
| Deed Book / Page | 2082 / 759 |
| Prior Transfer Date | Apr 27, 2018 |
| Prior Transfer Doc | 0000019994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 14, 2022 |
| Property Address | 131 CLAYTON RD, SCHENECTADY, NY 12304-3841 |
| Document Number | 0000019381 |
| Book / Page | 2082 / 759 |
| Map Reference | CAB A MAP 202-207 |
| Instrument Date | Mar 29, 2022 |
| Instrument | 202219381 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 CLAYTON RD, 131, SCHENECTADY, NY 12304-3841 |
| Name | Verified Name |
|---|---|
| Address | 4217 COURT ROYALE APT 11, 11, SCHENECTADY, NY 12304-1855 |
| Document Number | 0000019385 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 202219385 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Number | 0000019387 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 5219/290 |
| Instrument | 202219387 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 9, 2018 |
| Property Address | 131 CLAYTON RD, SCHENECTADY, NY 12304-3841 |
| Document Number | 0000019994 |
| Book / Page | 001986 / 000937 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 19994 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 29 EAST ST NISKAYUNA NY 123091012, NISKAYUNA, NY 12309-1012 |
| Document Number | 19996 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 004836/000038 |
| Instrument | 19996 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2048 |
The 2026 property tax bill for 131 Clayton Rd was $5,470, up 2.2% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,470.00 (+2.17%) | ||
| 2025 | $5,354.00 | $107,500 Land $16,100 Building $91,400 | $178,010 Land $26,660 Building $151,350 |
| 2023 | $107,500 (-) Land $16,100 Building $91,400 | $136,076 (+3.8%) Land $20,380 Building $115,696 | |
| 2022 | $107,500 Land $16,100 Building $91,400 | $131,098 Land $19,634 Building $111,464 | |
| 2021 | $5,119.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 131 Clayton Rd 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 risk around 131 Clayton Rd is low, with less than 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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