148 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 148 Front St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1900
Lot Size	0.055 acres (2,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jul 2023)
Tax Bill	$7,412 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.56-1-4`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-1-4`
Alternative APN	`150003905600010040000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,484 sqft Living Area
1st Floor Area	742 sqft
2nd Floor Area	742 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,415 sqft (0.055 acres)
Lot Dimensions	115 ft deep x 21 ft wide
Porch	Slab
Porch Area	122 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	148 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	1
Legal Lot Number	4.000
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 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	148 FRONT ST, SCHENECTADY, NY 12305-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 27, 2021	Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	May 27, 2021 · Amount on Record
Deed Document Number	202341748
Deed Book / Page	2112 / 380
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 21, 2023
Property Address	148 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000041748
Book / Page	2112 / 380
Instrument Date	Jul 11, 2023
Instrument	202341748
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	SPA CITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 FRONT ST, SCHENECTADY, NY 12305-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	214 LIBERTY ST APT 212, 212, SCHENECTADY, NY 12305-1846
Investor	Possibly a Property Investor

Mortgage

Document Number	0000041749
Date	Jul 21, 2023
Instrument	202341749

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 27, 2021
Property Address	148 FRONT ST, SCHENECTADY, NY 12305-1304
Document Number	0000024725
Book / Page	2059 / 555
Instrument Date	May 2, 2021
Instrument	202124725
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	ELITE TITLE & ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11884 CLIFTON TER, 11884, FORT MYERS, FL 33913-8569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 1ST ST # C, C, SCOTIA, NY 12302-2038

Mortgage

Document Number	0000024726
Date	May 27, 2021
Instrument	202124726

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 5, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	148 FRONT ST, SCHENECTADY, NY 12305-1304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019451
Date	Jul 7, 2020
Book Page	5001/963
Instrument	202019451

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$7,412.00 (+1.77%)
2025	$7,283.00 (+4.06%)	$150,000 (-) Land $17,100 Building $132,900	$248,385 (+30.82%) Land $28,316 Building $220,069
2023		$150,000 (-) Land $17,100 Building $132,900	$189,873 (+3.8%) Land $21,646 Building $168,227
2022		$150,000 Land $17,100 Building $132,900	$182,927 Land $20,854 Building $162,073
2021	$6,999.00

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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