146 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 146 Front St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 3,218 sqft · built 1900
Lot Size	0.056 acres (2,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Dec 2021)
Tax Bill	$7,986 (2023)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.56-1-3.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-1-3.1`
Alternative APN	`150003905600010030010000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	3,218 sqft Total Area
1st Floor Area	1,274 sqft
2nd Floor Area	1,274 sqft
Upper Floors Area	670 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Lot Area	2,470 sqft (0.056 acres)
Lot Dimensions	112 ft deep x 22.1 ft wide
Porch	Slab
Porch Area	154 sqft
Patio Area	59 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	146 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1304
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 BRICK
Legal Block	1
Legal Lot Number	3.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	33500

Historic Designation

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

Historic District	Within 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 April 21, 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 FRONT ST, SCHENECTADY, NY 12305-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Oct 23, 2017	Deed, Transfer TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Oct 23, 2017 · Amount on Record
Deed Document Number	202162371
Deed Book / Page	2073 / 454
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 10, 2021
Property Address	146 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000062371
Book / Page	2073 / 454
Instrument Date	Nov 19, 2021
Instrument	202162371
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	EAGLE TITLE AND ABSTRACT, ELITE TITLE & ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$996.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 FRONT ST, 146, SCHENECTADY, NY 12305-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 MACDONOUGH ST, BROOKLYN, NY 11233-1562

Mortgage

Document Number	0000062372
Date	Dec 10, 2021
Instrument	202162372

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 19, 2051

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 23, 2017
Property Address	146 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000047881
Book / Page	1973 / 796
Instrument Date	Oct 18, 2017
Instrument	201747881
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 FRONT ST, 146, SCHENECTADY, NY 12305-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 AMANDA LN, MECHANICVILLE, NY 12118-4100

Mortgage

Document Number	0000047884
Date	Oct 23, 2017
Book Page	4795/522
Instrument	201747884

Lender

Name	TRUSTCO BANK
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

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
2025		$170,100 (-) Land $23,200 Building $146,900	$281,669 (+30.82%) Land $38,417 Building $243,252
2023	$7,986.00 (+1.5%)	$170,100 (+10.03%) Land $23,200 Building $146,900	$215,316 (+14.2%) Land $29,367 Building $185,949
2022		$154,600 Land $23,200 Building $131,400	$188,537 Land $28,293 Building $160,244
2021	$7,868.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 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 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.

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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