14 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 14 Union St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	6 bd · 3.5 ba · 2,976 sqft · built 1900
Lot Size	0.056 acres (2,441 sqft)
Owner	2 Individual Names on File
Last Sale	$251,000 (Oct 2020)
Tax Bill	$7,339 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-3-6`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-3-6`
Alternative APN	`150003906300030060000000`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	3 Stories
Building Area	2,976 sqft Total Area
1st Floor Area	1,028 sqft
2nd Floor Area	1,094 sqft
Upper Floors Area	854 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Foundation Type	Slab (Mat/Raft)
Lot Area	2,441 sqft (0.056 acres)
Lot Dimensions	78.8 ft deep x 31 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	358 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1710
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	3 BRICK
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1022
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	14 UNION ST, SCHENECTADY, NY 12305-1710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Dec 13, 1994 · Amount on File
Deed Document Number	202033913
Deed Book / Page	2044 / 692
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 30, 2020
Property Address	14 UNION ST, SCHENECTADY, NY 12305-1710
Document Number	0000033913
Book / Page	2044 / 692
Instrument Date	Oct 2, 2020
Instrument	202033913
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,004.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 UNION ST, 14, SCHENECTADY, NY 12305-1710

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	221 HARBORSIDE DR APT 441, 441, SCHENECTADY, NY 12305-1082

Mortgage

Document Number	0000033914
Date	Oct 30, 2020
Instrument	202033914

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

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
2026	$7,339.00 (+2.79%)
2025	$7,140.00 (+8.17%)	$111,700 (-) Land $16,800 Building $94,900	$184,964 (+30.82%) Land $27,819 Building $157,145
2023		$111,700 (-) Land $16,800 Building $94,900	$141,392 (+3.8%) Land $21,266 Building $120,126
2022		$111,700 Land $16,800 Building $94,900	$136,220 Land $20,488 Building $115,732
2021	$6,601.00

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

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 159 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