1320 4th Ave, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 1320 4th Ave, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,564 sqft · built 1900
Lot Size	0.108 acres (4,725 sqft)
Owner	Individual Name on File
Last Sale	$242,250 (May 2026)
Tax Bill	$4,549 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.46-5-62`

Property Details

APN / Parcel Number

Primary APN	`421500 49.46-5-62`
Alternative APN	`150004904600050620000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,564 sqft Total Area
1st Floor Area	914 sqft
2nd Floor Area	650 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,725 sqft (0.108 acres)
Lot Dimensions	135 ft deep x 35 ft wide
Porch	Slab
Porch Area	288 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1320 4TH AVE
City	SCHENECTADY
State	NY
Zip	12303-1620
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	5
Legal Lot Number	62.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	21400

Owner

1320 4th Ave, a duplex, is owned by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	416 CRAIG ST, SCHENECTADY, NY 12307-1423
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Jul 23, 2024 · Amount on File
Deed Document Number	202612298
Deed Book / Page	2172 / 984
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 28, 2026
Property Address	1320 4TH AVE, SCHENECTADY, NY 12303-1620
Document Number	0000012298
Book / Page	2172 / 984
Instrument Date	Feb 27, 2026
Instrument	202612298
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97,869.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 CRAIG ST, SCHENECTADY, NY 12307-1423

Mortgage

Document Number	0000012299,
Date	May 28, 2026
Instrument	202612299

Lender

Name	KEYBANK USA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1320 4th Ave was $4,549, up 46.8% from the year before.

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	$4,549.00 (+46.84%)
2025	$3,098.00	$63,500 Land $9,500 Building $54,000	$105,150 Land $15,731 Building $89,419
2023		$63,500 (-) Land $9,500 Building $54,000	$80,380 (+3.8%) Land $12,025 Building $68,355
2022		$63,500 Land $9,500 Building $54,000	$77,439 Land $11,585 Building $65,854
2021	$2,685.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1320 4th Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 1320 4th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 729 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
T-Mobile Fixed Wireless	100 / 20