1315 State St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1315 State St, Schenectady, NY 12304 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,686 sqft · built 1900
Lot Size	0.085 acres (3,729 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2023)
Tax Bill	$5,584 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.60-1-47`

Property Details

APN / Parcel Number

Primary APN	`421500 49.60-1-47`
Alternative APN	`150004906000010470000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,686 sqft Total Area
1st Floor Area	1,343 sqft
2nd Floor Area	1,343 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	3,729 sqft (0.085 acres)
Lot Dimensions	113 ft deep x 33 ft wide
Porch	Slab
Porch Area	358 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1315 STATE ST
City	SCHENECTADY
State	NY
Zip	12304-2718
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 BRICK
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2005
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.60-1-47

Assessment roll updated April 14, 2026 · Last verified August 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	1515 VAN VRANKEN AVE, SCHENECTADY, NY 12308-2220
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage TRUSTCO BANK
Feb 20, 2026	Intrafamily Transfer, Transfer · Commercial Mortgage CHAMPIONS FUNDING LLC
Jun 08, 2023	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2023 · Amount on Record
Deed Sale	Jun 08, 2023 · Amount on Record
Prior Sale	May 19, 2011 · Amount on Record
Deed Document Number	202332960
Deed Book / Page	2109 / 316
Prior Transfer Date	Sep 22, 2014
Prior Transfer Doc	0000048851
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	1315 STATE ST, SCHENECTADY, NY 12304-2718
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 N COUNTRY CLUB DR, NISKAYUNA, NY 12309-5406

Mortgage

Document Number	0000054453
Date	Sep 26, 2023
Book Page	5332/481
Instrument	202354453

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 20, 2026
Property Address	1315 STATE ST, SCHENECTADY, NY 12304-2718
Document Number	0000003562
Instrument Date	Jan 09, 2026
Instrument	202603562
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1515 VAN VRANKEN AVE, SCHENECTADY, NY 12308-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1515 VAN VRANKEN AVE, SCHENECTADY, NY 12308-2220

Mortgage

Document Number	0000003563
Date	Feb 20, 2026
Instrument	202603563

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 08, 2023
Property Address	1315 STATE ST, SCHENECTADY, NY 12304-2718
Document Number	0000032960
Book / Page	2109 / 316
Instrument Date	May 18, 2023
Instrument	202332960
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1543 VAN CORTLAND ST, SCHENECTADY, NY 12303-1437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11206 225TH ST, QUEENS VILLAGE, NY 11429-2741

Mortgage

Document Number	0000032964
Date	Jun 08, 2023
Instrument	202332964

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,584.00 (+22.05%)	$93,300 (-) Land $14,000 Building $79,300	$154,496 (+30.82%) Land $23,183 Building $131,313
2023		$93,300 (-) Land $14,000 Building $79,300	$118,101 (+3.8%) Land $17,721 Building $100,380
2022		$93,300 Land $14,000 Building $79,300	$113,780 Land $17,073 Building $96,707
2021	$4,575.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 924 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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