Schenectady County and Schenectady City property record for 1440 State St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,502 sqft · built 1890 |
| Lot Size | 0.095 acres (4,160 sqft) |
| Owner | Company Name on Record |
| Last Sale | $172,500 (Nov 2024) |
| Tax Bill | $4,264 (2025) |
| Deeds & Mortgages | Feb 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-1-11 |
| Primary APN | 421500 49.68-1-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,502 sqft Living Area |
| 1st Floor Area | 736 sqft |
| 2nd Floor Area | 766 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,160 sqft (0.095 acres) |
| Lot Dimensions | 130 ft deep x 32 ft wide |
| Porch | Slab |
| Porch Area | 246 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1440 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Description | 2 WOOD AND BARN |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records, as of July 20, 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 | 1190 SUMNER AVE, SCHENECTADY, NY 12309-5636 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2024 · Amount on Record |
| Deed Sale | Nov 4, 2024 · Amount on Record |
| Prior Sale | Dec 29, 2000 · Amount on Record |
| Deed Document Number | 202466044 |
| Deed Book / Page | 2141 / 157 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1440 STATE ST, SCHENECTADY, NY 12304-2823 |
| Document Number | 0000013631 |
| Instrument Date | Feb 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Title Company | NATIONWIDE COURT SERVICES, NATIONWIDE COURT SVCS |
| Name | Verified Name |
|---|---|
| Address | 1440 STATE ST SCHENECTADY NY 123042823, SCHENECTADY, NY 12304-2823 |
| Document Number | 0000013631 |
|---|---|
| Date | Mar 27, 2017 |
| Book Page | 004750/000864 |
| Instrument | 13631 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | BROOMFIELD, CO 80021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 26, 2057 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,264.00 (+9.84%) | $90,100 (-) Land $13,500 Building $76,600 | $149,197 (+30.82%) Land $22,355 Building $126,842 |
| 2023 | $90,100 (-) Land $13,500 Building $76,600 | $114,051 (+3.8%) Land $17,089 Building $96,962 | |
| 2022 | $90,100 Land $13,500 Building $76,600 | $109,878 Land $16,463 Building $93,415 | |
| 2021 | $3,882.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 639 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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