Schenectady County and Schenectady City property record for 1555 State St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,010 sqft · built 1900 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Dec 2018) |
| Tax Bill | $5,389 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.77-2-15 |
| Primary APN | 421500 50.77-2-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,010 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| 2nd Floor Area | 683 sqft |
| Attic | Attic |
| Attic Area | 255 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,625 sqft (0.129 acres) |
| Lot Dimensions | 125 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1555 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | LAND OF GEORGE W ELY |
| Legal Block | 2 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 184, WATERVLIET, NY 12189-0184 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 13, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 6, 2018 | Deed, Transfer · FHA Mortgage TOTAL MORTAGAGE SERVICES LLC |
| Jul 26, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 6, 2018 · Amount on Record |
| Deed Sale | Dec 6, 2018 · Amount on Record |
| Prior Sale | Jan 15, 2016 · Amount on Record |
| Deed Document Number | 201853453 |
| Deed Book / Page | 2001 / 290 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000004473 |
|---|---|
| Date | Jan 24, 2023 |
| Book Page | 5285/502 |
| Instrument | 202304473 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000026031 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 202526031 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Oct 1, 2065 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000035934 |
|---|---|
| Date | Jun 13, 2024 |
| Book Page | 5379/705 |
| Instrument | 202435934 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000010017 |
|---|---|
| Date | Apr 24, 2025 |
| Instrument | 202510017 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000061125 |
|---|---|
| Date | Oct 30, 2023 |
| Book Page | 5339/382 |
| Instrument | 202361125 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 6, 2018 |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000053453 |
| Book / Page | 2001 / 290 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 201853453 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1553 STATE ST, 1553, SCHENECTADY, NY 12304-3126 |
| Name | Verified Name |
|---|---|
| Address | 163A VANDENBURGH PL, TROY, NY 12180-6047 |
| Document Number | 0000053455 |
|---|---|
| Date | Dec 6, 2018 |
| Instrument | 201853455 |
| Name | TOTAL MORTAGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 26, 2018 |
| Property Address | 1555 STATE ST, SCHENECTADY, NY 12304-3126 |
| Document Number | 0000033099 |
| Book / Page | 001992 / 000305 |
| Instrument Date | Jul 24, 2018 |
| Instrument | 33099 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1553 STATE ST SCHENECTADY NY 123043126, SCHENECTADY, NY 12304-3126 |
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 |
|---|---|---|---|
| 2025 | $5,389.00 (-17.79%) | $104,900 (-) Land $13,200 Building $91,700 | $173,704 (+30.82%) Land $21,858 Building $151,846 |
| 2023 | $104,900 (-) Land $13,200 Building $91,700 | $132,785 (+3.8%) Land $16,709 Building $116,076 | |
| 2022 | $104,900 Land $13,200 Building $91,700 | $127,927 Land $16,098 Building $111,829 | |
| 2021 | $6,555.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 531 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 USA Fixed Wireless | 100 / 20 |
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