Schenectady County and Schenectady City property record for 1321 Main St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,288 sqft · built 1900 |
| Lot Size | 0.1 acres (4,375 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,954 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.72-1-4 |
| Primary APN | 421500 49.72-1-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 616 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,375 sqft (0.1 acres) |
| Lot Dimensions | 125 ft deep x 35 ft wide |
| Porch | Porch |
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1321 MAIN ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Subdivision | REVISED MAP OF HENRY M CHRISLER |
| Legal Block | 1 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 21600 |
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 | 1321 MAIN ST, SCHENECTADY, NY 12303-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 8, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Oct 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2021 |
| Deed Sale | Jul 8, 2021 |
| Prior Sale | Oct 3, 2018 · Amount on Record |
| Deed Document Number | 202132206 |
| Deed Book / Page | 2062 / 380 |
| Prior Transfer Date | Apr 16, 2015 |
| Prior Transfer Doc | 0000019705 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 8, 2021 |
| Property Address | 1321 MAIN ST, SCHENECTADY, NY 12303-1809 |
| Document Number | 0000032206 |
| Book / Page | 2062 / 380 |
| Instrument Date | Jun 8, 2021 |
| Instrument | 202132206 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | MARKET TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1321 MAIN ST, 1321, SCHENECTADY, NY 12303-1809 |
| Name | Verified Name |
|---|---|
| Address | 138 VAN BAEL DR, SLINGERLANDS, NY 12159-3026 |
| Document Number | 0000032207 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 202132207 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 3, 2018 |
| Property Address | 1321 MAIN ST, SCHENECTADY, NY 12303-1809 |
| Document Number | 0000043860 |
| Book / Page | 1997 / 044 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 201843860 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $224.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1321 MAIN ST, 1321, SCHENECTADY, NY 12303-1809 |
| Name | Verified Name |
|---|---|
| Address | 125 ROBERTS RD, COBLESKILL, NY 12043-5508 |
| Investor | Possibly a Property Investor |
| Document Number | 0000043861 |
|---|---|
| Date | Oct 3, 2018 |
| Book Page | 4868/938 |
| Instrument | 201843861 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,954.00 (+2.7%) | ||
| 2025 | $3,850.00 (+5.89%) | $71,900 (-) Land $10,800 Building $61,100 | $119,059 (+30.82%) Land $17,884 Building $101,175 |
| 2023 | $71,900 (-) Land $10,800 Building $61,100 | $91,013 (+3.8%) Land $13,671 Building $77,342 | |
| 2022 | $71,900 Land $10,800 Building $61,100 | $87,683 Land $13,171 Building $74,512 | |
| 2021 | $3,636.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,007 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 |
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