Schenectady County and Schenectady City property record for 15 Charles St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1903 |
| Lot Size | 0.093 acres (4,060 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,991 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-1-29 |
| Primary APN | 421500 49.68-1-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 576 sqft |
| 2nd Floor Area | 576 sqft |
| Year Built | Built 1903 |
|---|---|
| Effective Year Built | Effective 1903 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,060 sqft (0.093 acres) |
| Lot Dimensions | 140 ft deep x 29 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 136 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 CHARLES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21700 |
15 Charles St is owned and occupied by an individual.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 15 Charles St was $2,991 with a homeowner's exemption, up 5.4% from the year before.
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 | $2,991.00 (+5.35%) Homeowner's exemption | ||
| 2025 | $2,839.00 | $55,300 Land $8,300 Building $47,000 | $91,571 Land $13,744 Building $77,827 |
| 2023 | $55,300 (-) Land $8,300 Building $47,000 | $70,000 (+3.8%) Land $10,506 Building $59,494 | |
| 2022 | $55,300 Land $8,300 Building $47,000 | $67,439 Land $10,122 Building $57,317 | |
| 2021 | $2,471.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Charles St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 15 Charles St is low, with less than a 0.01% annual chance of 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.
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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