140 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 140 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Aug 2023)
Tax Bill	$4,099 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-2-9`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-2-9`
Alternative APN	`150004905200020090000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,200 sqft Living Area
1st Floor Area	624 sqft
2nd Floor Area	576 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Porch	Slab
Porch Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	140 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5005
Census Tract	20700

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	140 DIVISION ST, SCHENECTADY, NY 12304-1106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Apr 23, 1998
Deed Document Number	202345307
Deed Book / Page	2113 / 454
Record Updated	Oct 29, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 10, 2023
Property Address	140 DIVISION ST, SCHENECTADY, NY 12304-1106
Document Number	0000045307
Book / Page	2113 / 454
Instrument Date	Jul 11, 2023
Instrument	202345307
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 ARLENE AVE, ALBANY, NY 12203-5202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 DIVISION ST, SCHENECTADY, NY 12304-1106

Mortgage

Document Number	0000045308
Date	Aug 10, 2023
Instrument	202345308

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000045309
Date	Aug 10, 2023
Book Page	5322/259
Instrument	202345309

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Second Mortgage (Down Payment)
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
2026	$4,099.00 (+2.65%)
2025	$3,993.00 (+5.69%)	$75,400 (-) Land $11,300 Building $64,100	$124,855 (+30.82%) Land $18,712 Building $106,143
2023		$75,400 (-) Land $11,300 Building $64,100	$95,443 (+3.8%) Land $14,304 Building $81,139
2022		$75,400 Land $11,300 Building $64,100	$91,951 Land $13,780 Building $78,171
2021	$3,778.00

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	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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