144 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 144 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (May 2022)
Tax Bill	$4,548 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-2-10`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-2-10`
Alternative APN	`150004905200020100000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
1st Floor Area	780 sqft
2nd Floor Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	742 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	144 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 AND GARAGES
Legal Block	2
Legal Lot Number	10.000
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	4560 MATILDA AVE, BRONX, NY 10470-1505
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 11, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2022 · Amount on Record
Deed Sale	May 9, 2022 · Amount on Record
Prior Sale	Feb 11, 2020 · Amount on Record
Deed Document Number	202224424
Deed Book / Page	2084 / 325
Prior Transfer Date	Aug 25, 2009
Prior Transfer Doc	0000040156
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 9, 2022
Property Address	144 DIVISION ST, SCHENECTADY, NY 12304-1106
Document Number	0000024424
Book / Page	2084 / 325
Map Reference	MB 18 PG 523
Instrument Date	Apr 29, 2022
Instrument	202224424
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 DIVISION ST, SCHENECTADY, NY 12304-1106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4560 MATILDA AVE, BRONX, NY 10470-1505

Mortgage

Document Number	0000024425
Date	May 9, 2022
Instrument	202224425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 11, 2020
Property Address	144 DIVISION ST, SCHENECTADY, NY 12304-1106
Document Number	0000006005
Book / Page	002030 / 000285
Instrument Date	Feb 7, 2020
Instrument	6005
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1136 STATE ST SCHENECTADY NY 123042615, SCHENECTADY, NY 12304-2615

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	$4,548.00 (+2.46%)
2025	$4,439.00 (+5.19%)	$86,300 (-) Land $12,900 Building $73,400	$142,904 (+30.82%) Land $21,361 Building $121,543
2023		$86,300 (-) Land $12,900 Building $73,400	$109,241 (+3.8%) Land $16,329 Building $92,912
2022		$86,300 Land $12,900 Building $73,400	$105,244 Land $15,732 Building $89,512
2021	$4,220.00

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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