Schenectady County and Schenectady City property record for 146 Chiswell Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,495 sqft · built 1988 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,004 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.55-4-43 |
| Primary APN | 421500 60.55-4-43 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,495 sqft Living Area |
| 1st Floor Area | 637 sqft |
| 2nd Floor Area | 858 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 273 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 52 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 146 CHISWELL RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD & GAR |
| Legal Block | 4 |
| Legal Lot Number | 43.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21802 |
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 | 146 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 146 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 104 CHISWELL RD, SCHENECTADY, NY 12304-3804 |
| Document Number | 0000015417 |
|---|---|
| Date | Apr 7, 2021 |
| Book Page | 5087/800 |
| Instrument | 202115417 |
| Name | SCHOOL SYSTEMS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 |
|---|---|---|---|
| 2026 | $5,004.00 (+5.64%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,737.00 (-8.66%) | $121,300 (-) Land $18,200 Building $103,100 | $200,861 (+30.82%) Land $30,137 Building $170,724 |
| 2023 | $121,300 (-) Land $18,200 Building $103,100 | $153,544 (+3.8%) Land $23,038 Building $130,506 | |
| 2022 | $121,300 Land $18,200 Building $103,100 | $147,927 Land $22,195 Building $125,732 | |
| 2021 | $5,186.00 |
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 | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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