1318 State St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1318 State St, Schenectady, NY 12304

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3,523 sqft · built 1981
Lot Size	0.551 acres (24,000 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Sep 2017)
Tax Bill	$9,665 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.67-4-1.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.67-4-1.1`
Alternative APN	`150004906700040010010000`

Interior

Units	5 Units
Stories	2 Stories
Building Area	3,523 sqft Gross Area
Basement Area	1,738 sqft
Finished Basement	1,738 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	24,000 sqft (0.551 acres)
Lot Dimensions	200 ft deep x 120 ft wide

Exterior Amenities

Porch	Slab
Porch Area	222 sqft
Canopy	48 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1318 STATE ST
City	SCHENECTADY
State	NY
Zip	12304-2735
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	27,28 2 WOOD AND GARAGE
Legal Block	4
Legal Lot Number	1.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1007
Census Tract	21700

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	1318 STATE ST, 1, SCHENECTADY, NY 12304-2735
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017 · Amount on Record
Deed Sale	Sep 8, 2017 · Amount on Record
Prior Sale	Aug 26, 2003 · Amount on Record
Deed Document Number	201740867
Deed Book / Page	1970 / 903
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 8, 2017
Property Address	1318 STATE ST, SCHENECTADY, NY 12304-2735
Document Number	0000040867
Book / Page	001970 / 000903
Instrument Date	Sep 8, 2017
Instrument	40867
Transaction Type	Transfer
Record Updated	Sep 14, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 ALBANY ST SCHENECTADY NY 123042602, SCHENECTADY, NY 12304-2602

Mortgage

Document Number	40868
Date	Sep 8, 2017
Book Page	004786/000885
Instrument	40868

Lender

Name	NBNB REALTY CORP
Address	1512 WHITE PLAINS RD, BRONX, NY 10462-4106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 7, 2027

Interest

Rate	4%

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	$9,665.00 (+0.76%)
2025	$9,592.00	$234,300 (-) Land $43,300 Building $191,000	$387,978 (+30.82%) Land $71,701 Building $316,277
2023		$234,300 Land $43,300 Building $191,000	$296,582 Land $54,810 Building $241,772

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 924 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 · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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