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145 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 145 Front St, Schenectady, NY 12305

Property Summary

Property TypeApartments (5+ Units)
Details2,844 sqft · built 1984
Lot Size0.098 acres (4,255 sqft)
OwnerCompany Name on Record
Last Sale$239,000 (Nov 2020)
Tax Bill$4,422 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 39.55-2-28

Property Details

APN / Parcel Number

Primary APN421500 39.55-2-28
Alternative APN
  • 150003905500020280000000

Interior

Units5 Units
Stories2 Stories
Building Area2,844 sqft Gross Area
Basement Area1,398 sqft
Unfinished Basement1,398 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Lot Area4,255 sqft (0.098 acres)
Lot Dimensions100 ft deep x 50 ft wide
PorchSlab
Porch Area72 sqft

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address145 FRONT ST
CitySCHENECTADY
StateNY
Zip12305-1354
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code03 - MULTI
Legal Description2 WOOD
Legal Block2
Legal Lot Number28.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1001
Census Tract33500

Historic Designation

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

Historic DistrictWithin 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 June 23, 2026

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

Owner of RecordCompany Name on Record
Mailing Address4908 KLOSTERMAN OAKS BLVD, PALM HARBOR, FL 34683-1202
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 19, 2020 · Amount on Record
Deed SaleNov 19, 2020 · Amount on Record
Prior SaleJan 9, 2013 · Amount on Record
Deed Document Number202036295
Deed Book / Page2046 / 175
Prior Transfer DateNov 10, 2010
Prior Transfer Doc0000008657
Record UpdatedSep 20, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 19, 2020
Property Address145 FRONT ST, SCHENECTADY, NY 12305-1354
Document Number0000036295
Book / Page2046 / 175
Instrument DateOct 22, 2020
Instrument202036295
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanySTEWART TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$956.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2141 BAKER AVE E, 2141, NISKAYUNA, NY 12309-2300

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 9163, SCHENECTADY, NY 12309-0163

Mortgage

Document Number0000036298
DateNov 19, 2020
Book Page5042/472
Instrument202036298
Lender
NameFIRST NATIONAL BANK OF SCOTIA
TypeBank
AddressSCHENECTADY, NY 12302
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,422.00 (-0.56%)$108,000 (-) Land $14,900 Building $93,100$178,838 (+30.82%) Land $24,673 Building $154,165
2023$108,000 (-) Land $14,900 Building $93,100$136,709 (+3.8%) Land $18,861 Building $117,848
2022$108,000 Land $14,900 Building $93,100$131,707 Land $18,171 Building $113,536
2021$4,447.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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