Schenectady County and Schenectady City property record for 1325 Union St, Schenectady, NY 12308
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,344 sqft · built 1960 |
| Lot Size | 0.183 acres (7,950 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,220 (Jul 2015) |
| Tax Bill | $6,861 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.84-2-22 |
| Primary APN | 421500 39.84-2-22 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| 1st Floor Area | 1,344 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 7,950 sqft (0.183 acres) |
| Lot Dimensions | 134 ft deep x 59.3 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1325 UNION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-3033 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 |
| Legal Description | 1 BRICK |
| Legal Block | 2 |
| Legal Lot Number | 22.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 20500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1325 Union St, a duplex, is owned by an individual who bought it in July 2015.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3666 CARMAN RD, SCHENECTADY, NY 12303-5468 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CLEAREDGELENDING |
| Nov 8, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2015 · Amount on File |
| Deed Sale | Jul 21, 2015 · Amount on File |
| Prior Sale | Jul 21, 2015 · Amount on File |
| Deed Book / Page | 1918 / 758 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 23, 2026 |
| Property Address | 1325 UNION ST, SCHENECTADY, NY 12308-3033 |
| Document Number | 0000014166 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202614166 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP |
| Name | Verified Name |
|---|---|
| Address | 3666 CARMAN RD, SCHENECTADY, NY 12303-5468 |
| Document Number | 0000014166, |
|---|---|
| Date | Jun 23, 2026 |
| Instrument | 202614166 |
| Name | CLEAREDGELENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 8, 2021 |
| Property Address | 1325 UNION ST, SCHENECTADY, NY 12308-3033 |
| Document Number | 0000055778 |
| Book / Page | 2071 / 26 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 202155778 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $588.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1912 UNION ST, 1912, SCHENECTADY, NY 12309-5423 |
| Name | Verified Name |
|---|---|
| Address | 3666 CARMAN RD, SCHENECTADY, NY 12303-5468 |
The 2026 property tax bill for 1325 Union St was $6,861, up 3% from the year before.
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 | $6,861.00 (+3.03%) | ||
| 2025 | $6,659.00 | $118,400 Land $22,400 Building $96,000 | $196,059 Land $37,092 Building $158,967 |
| 2023 | $118,400 (-) Land $22,400 Building $96,000 | $149,873 (+3.8%) Land $28,354 Building $121,519 | |
| 2022 | $118,400 Land $22,400 Building $96,000 | $144,390 Land $27,317 Building $117,073 | |
| 2021 | $6,243.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1325 Union St in Zone X, an area of minimal flood risk.
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.
The area around 1325 Union St 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.
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 746 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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