1531 State St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 1531 State St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,883 sqft · built 1924
Lot Size	0.094 acres (4,125 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Jan 2007)
Tax Bill	$5,776 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.69-1-21`

Property Details

APN / Parcel Number

Primary APN	`421500 50.69-1-21`
Alternative APN	`150005006900010210000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,883 sqft Living Area
1st Floor Area	1,013 sqft
2nd Floor Area	870 sqft
Basement Area	260 sqft
Finished Basement	260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Colonial
Exterior Material	Stucco
Lot Area	4,125 sqft (0.094 acres)
Lot Dimensions	125 ft deep x 33 ft wide
Porch	Slab
Porch Area	341 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1531 STATE ST
City	SCHENECTADY
State	NY
Zip	12304-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 STUCCO
Legal Subdivision	1856 12TH AVENUE
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 50.69-1-21

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	1531 STATE ST, SCHENECTADY, NY 12304-3124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2007 · Amount on Record
Deed Sale	Jan 08, 2007 · Amount on Record
Deed Book / Page	1751 / 713
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 17, 2021
Property Address	1531 STATE ST, SCHENECTADY, NY 12304-3124
Document Number	0000064234
Book / Page	2074 / 182
Instrument Date	Dec 03, 2021
Instrument	202164234
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$724.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 TAMAR DR, SCHENECTADY, NY 12309-1139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1419 STATE ST, SCHENECTADY, NY 12304-2722

Mortgage

Document Number	0000064235
Date	Dec 17, 2021
Instrument	202164235

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,776.00 (+13.34%)	$115,500 (-) Land $15,800 Building $99,700	$191,257 (+30.82%) Land $26,163 Building $165,094
2023		$115,500 (+1%) Land $15,800 Building $99,700	$146,203 (+14.18%) Land $20,000 Building $126,203
2022		$105,000 Land $15,800 Building $89,200	$128,049 Land $19,268 Building $108,781
2021	$5,096.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1980)
Most Recent Claim	Mar 1980 · rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 639 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.