Schenectady County and Schenectady City property record for 131 Elder St, Schenectady, NY 12304 · Last verified July 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 2 Baths |
| Architecture Style | Traditional |
| Year Built | Built 1915 |
| Square Footage | 2,472 sqft Total Area |
| Lot Size | 4,257 sqft (0.097 acres) |
| Last Sale | $85,000 (2018) |
| Tax Bill | $5,245.00 (2025) |
| Primary APN | 421500 49.60-4-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Building Area | 2,472 sqft Total Area |
| 1st Floor | 1,236 sqft 1st Floor |
| 2nd Floor | 1,236 sqft 2nd Floor |
| Stories | 2 Stories |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 4,257 sqft (0.097 acres) |
| Depth X Width | 129 ft x 33 ft Depth x Width |
| Porch Area | 472 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 131 ELDER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1219 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | AND PART OF 8 2 WOOD |
| Legal Subdivision | LOTS BELONGING TO CURRAN AND PHILLIPS |
| Legal Block | 4 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records · APN 421500 49.60-4-18
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1757 BECKER ST, SCHENECTADY, NY 12304-1233 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION |
| Mar 29, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| Jul 12, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 12, 2018 · Amount on Record |
| Deed Sale | Jul 12, 2018 · Amount on Record |
| Prior Sale | Dec 07, 2004 |
| Deed Doc Number | 201830534 |
| Deed Book / Page | 1991 / 241 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 26, 2026 |
| Property Address | 131 ELDER ST, SCHENECTADY, NY 12304-1219 |
| Document Number | 0000012084 |
| Instrument Date | May 19, 2026 |
| Instrument | 202612084 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 131 ELDER ST, SCHENECTADY, NY 12304-1219 |
| Document Number | 0000012084, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202612084 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 131 ELDER ST, SCHENECTADY, NY 12304-1219 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 131 ELDER ST, SCHENECTADY, NY 12304-1219 |
| Document Number | 0000015963 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 5214/83 |
| Instrument | 202215963 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 12, 2018 |
| Property Address | 131 ELDER ST, SCHENECTADY, NY 12304-1219 |
| Document Number | 0000030534 |
| Book / Page | 1991 / 241 |
| Instrument Date | Jul 09, 2018 |
| Instrument | 201830534 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 98 JONES RD, 98, SARATOGA SPRINGS, NY 12866-5704 |
| Name | Verified Name |
|---|---|
| Address | 1757 BECKER ST, SCHENECTADY, NY 12304-1233 |
| Document Number | 0000030537 |
|---|---|
| Date | Jul 12, 2018 |
| Instrument | 201830537 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,245.00 (+8.17%) | $85,000 (-) Land $12,800 Building $72,200 | $140,752 (+30.82%) Land $21,196 Building $119,556 |
| 2023 | $85,000 (-) Land $12,800 Building $72,200 | $107,595 (+3.8%) Land $16,203 Building $91,392 | |
| 2022 | $85,000 Land $12,800 Building $72,200 | $103,659 Land $15,610 Building $88,049 | |
| 2021 | $4,849.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures