138 Jay St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 138 Jay St, Schenectady, NY 12305

Property Summary

Property Type	Restaurant
Details	4,032 sqft · built 1981
Lot Size	0.109 acres (4,767 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Nov 2018)
Tax Bill	$610 (2025)
Deeds & Mortgages	Nov 2019 Loan Modification Nov 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.72-2-28`

Property Details

APN / Parcel Number

Primary APN	`421500 39.72-2-28`
Alternative APN	`150003907200020280000000`

Interior

Stories	1 Story
Building Area	4,032 sqft Gross Area
Basement Area	4,416 sqft
Unfinished Basement	4,416 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2010
Lot Area	4,767 sqft (0.109 acres)
Lot Dimensions	76 ft deep x 63.8 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	138 JAY ST
City	SCHENECTADY
State	NY
Zip	12305-1906
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	05 - COMME
Legal Description	1 BRICK
Legal Block	2
Legal Lot Number	28.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1010
Census Tract	21001

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	66 PINEWOODS AVE, TROY, NY 12180-4724
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2019	Loan Modification, Mortgage M&T BK
Nov 6, 2019	Loan Modification, Mortgage PRIVATE INDIVIDUAL
Nov 6, 2019	Deed of Trust, Mortgage M&T BK
Nov 30, 2018	Warranty Deed, Construction Loan · Construction Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Prior Sale	Apr 15, 2002 · Amount on Record
Deed Document Number	201852678
Deed Book / Page	2000 / 923
Record Updated	Jun 8, 2026

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	138 JAY ST, SCHENECTADY, NY 12305-1906
Document Number	0000053800
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 JAY ST SCHENECTADY NY 123051906, SCHENECTADY, NY 12305-1906

Mortgage

Document Number	0000053800
Date	Dec 3, 2019
Book Page	004957/000126
Instrument	53800

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount Recorded

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	138 JAY ST, SCHENECTADY, NY 12305-1906
Document Number	0000053801
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 JAY ST SCHENECTADY NY 123051906, SCHENECTADY, NY 12305-1906

Mortgage

Document Number	0000053801
Date	Dec 3, 2019
Book Page	004957/000133
Instrument	53801

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	ALBANY, NY 12207

Agreement

Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	138 JAY ST, SCHENECTADY, NY 12305-1906
Document Number	0000053804
Instrument Date	Nov 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	138 JAY ST SCHENECTADY NY 123051906, SCHENECTADY, NY 12305-1906

Mortgage

Document Number	0000053804
Date	Dec 3, 2019
Book Page	004957/000139
Instrument	53804

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount Recorded

November 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 30, 2018
Property Address	138 JAY ST, SCHENECTADY, NY 12305-1906
Document Number	0000052678
Book / Page	2000 / 923
Instrument Date	Nov 27, 2018
Instrument	201852678
Transaction Type	Construction Loan
Record Updated	May 10, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2184 STORY AVE, 2184, NISKAYUNA, NY 12309-5314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 PINEWOODS AVE, TROY, NY 12180-4724

Mortgage

Document Number	0000052680
Date	Nov 30, 2018
Instrument	201852680

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$610.00 (+15.09%)	$344,900 (-) Land $16,700 Building $328,200	$571,121 (+30.82%) Land $27,654 Building $543,467
2023		$344,900 (-) Land $16,700 Building $328,200	$436,582 (+3.8%) Land $21,139 Building $415,443
2022		$344,900 Land $16,700 Building $328,200	$420,610 Land $20,366 Building $400,244
2021	$530.00

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

Flood

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

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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