132 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 132 Front St, Schenectady, NY 12305

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,368 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,176 (2026)
Deeds & Mortgages	Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.55-3-14`

Property Details

APN / Parcel Number

Primary APN	`421500 39.55-3-14`
Alternative APN	`150003905500030140000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	15 Rooms
Stories	2 Stories
Building Area	2,368 sqft Total Area
1st Floor Area	1,184 sqft
2nd Floor Area	1,184 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	158 ft deep x 29 ft wide

Exterior Amenities

Porch	Slab
Porch Area	644 sqft
Patio Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	132 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1304
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND 1 WOOD IN REAR
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	132 FRONT ST, SCHENECTADY, NY 12305-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Nov 25, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 19, 2019
Transfer Doc	0000053306
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	132 FRONT ST, SCHENECTADY, NY 12305-1304
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	132 FRONT ST, SCHENECTADY, NY 12305-1304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016472
Date	Jun 9, 2020
Book Page	4994/625
Instrument	202016472

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 25, 2019
Property Address	132 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000053306
Book / Page	002025 / 000462
Instrument Date	Nov 19, 2019
Instrument	53306
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 FRONT ST SCHENECTADY NY 123051304, SCHENECTADY, NY 12305-1304

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	$9,176.00 (+4.51%) Homeowner's exemption Senior Citizen's exemption
2025	$8,780.00 (+8.41%)	$171,400 (-) Land $25,700 Building $145,700	$283,822 (+30.82%) Land $42,557 Building $241,265
2023		$171,400 (-) Land $25,700 Building $145,700	$216,962 (+3.8%) Land $32,532 Building $184,430
2022		$171,400 Land $25,700 Building $145,700	$209,024 Land $31,341 Building $177,683
2021	$8,099.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

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

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.

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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