1348 Union St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 1348 Union St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,400 sqft · built 1905
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Aug 2025)
Tax Bill	$6,982 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.28-1-9`

Property Details

APN / Parcel Number

Primary APN	`421500 49.28-1-9`
Alternative APN	`150004902800010090000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,400 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	960 sqft
Upper Floors Area	480 sqft
Attic	Attic
Attic Area	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	168 sqft
Carport	Carport
Carport Area	168 sqft
Porch	Slab
Porch Area	394 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1348 UNION ST
City	SCHENECTADY
State	NY
Zip	12308-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WD & BR
Legal Block	1
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	20600

Historic Designation

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.

Owner

1348 Union St is owned by two individuals who bought it in August 2025.

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 File
Mailing Address	2487 RIDGE RD, SCHENECTADY, NY 12302-6741
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	Aug 19, 2020 · Amount on File
Deed Document Number	202518463
Deed Book / Page	2154 / 304
Prior Transfer Date	Aug 28, 2008
Prior Transfer Doc	1789000974
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 19, 2020
Property Address	1348 UNION ST, SCHENECTADY, NY 12308-3018
Document Number	0000024394
Book / Page	002039 / 000985
Instrument Date	Aug 13, 2020
Instrument	24394
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$686.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	37 NEWMAN AVE BINGHAMTON NY 139011216, BINGHAMTON, NY 13901-1216

Mortgage

Document Number	24395
Date	Aug 19, 2020
Book Page	005013/000448
Instrument	24395

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1348 Union St was $6,982, up 1.8% 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	$6,982.00 (+1.82%)
2025	$6,857.00	$135,000 Land $23,100 Building $111,900	$223,547 Land $38,251 Building $185,296
2023		$135,000 (-) Land $23,100 Building $111,900	$170,886 (+3.8%) Land $29,240 Building $141,646
2022		$135,000 Land $23,100 Building $111,900	$164,634 Land $28,171 Building $136,463
2021	$6,549.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1348 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.

Wildfire

The area around 1348 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.

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 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