135 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 135 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,528 sqft · built 1850
Lot Size	0.132 acres (5,775 sqft)
Owner	Individual Name on File
Last Sale	$78,500 (May 2018)
Tax Bill	$4,488 (2026)
Deeds & Mortgages	Jul 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-1-20`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-1-20`
Alternative APN	`150004905200010200000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,528 sqft Living Area
1st Floor Area	884 sqft
2nd Floor Area	644 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,775 sqft (0.132 acres)
Lot Dimensions	175 ft deep x 33 ft wide
Porch	Slab
Porch Area	264 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	135 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD & SHED
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

135 Division St is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	135 DIVISION ST, SCHENECTADY, NY 12304-1105
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
May 29, 2018	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2018 · Amount on File
Deed Sale	May 29, 2018 · Amount on File
Prior Sale	Feb 20, 2004 · Amount on File
Deed Document Number	201822880
Deed Book / Page	1988 / 203
Prior Transfer Date	May 24, 2018
Prior Transfer Doc	0000022880
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	135 DIVISION ST, SCHENECTADY, NY 12304-1105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021620
Date	Jul 29, 2020
Book Page	5007/456
Instrument	202021620

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 29, 2018
Property Address	135 DIVISION ST, SCHENECTADY, NY 12304-1105
Document Number	0000022880
Book / Page	1988 / 203
Map Reference	MB18 PG532
Instrument Date	May 24, 2018
Instrument	201822880
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 DIVISION ST, 135, SCHENECTADY, NY 12304-1105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 DIVISION ST, SCHENECTADY, NY 12304-1105

Mortgage

Document Number	0000022881
Date	May 29, 2018
Instrument	201822881

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 135 Division St was $4,488, up 2.5% 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	$4,488.00 (+2.47%)
2025	$4,380.00	$81,400 Land $12,200 Building $69,200	$134,791 Land $20,202 Building $114,589
2023		$81,400 (-) Land $12,200 Building $69,200	$103,038 (+3.8%) Land $15,443 Building $87,595
2022		$81,400 Land $12,200 Building $69,200	$99,268 Land $14,878 Building $84,390
2021	$4,139.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 135 Division 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

Wildfire risk around 135 Division St is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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 924 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

May also be available: T-Mobile.

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