Schenectady County and Schenectady City property record for 1576 State St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,828 sqft · built 1987 |
| Lot Size | 0.124 acres (5,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Sep 2025) |
| Tax Bill | $6,712 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.21-1-26 |
| Primary APN | 421500 60.21-1-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,828 sqft Living Area |
| Gross Area | 1,896 sqft |
| 1st Floor Area | 888 sqft |
| 2nd Floor Area | 672 sqft |
| Attic | Attic |
| Attic Area | 268 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 5,400 sqft (0.124 acres) |
| Lot Dimensions | 108 ft deep x 50 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1576 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 |
| Legal Description | AND PART OF 2 2 BRICK AND STUCCO |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 21700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 42 DANA AVE, ALBANY, NY 12208-3506 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Jun 12, 2020 | Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Prior Sale | Aug 25, 2020 · Amount on Record |
| Deed Document Number | 202521929 |
| Deed Book / Page | 2156 / 741 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 15, 2025 |
| Property Address | 1576 STATE ST, SCHENECTADY, NY 12304-1528 |
| Document Number | 0000021929 |
| Instrument Date | Sep 15, 2025 |
| Instrument | 202521929 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1576 STATE ST, SCHENECTADY, NY 12304-1528 |
| Name | Verified Name |
|---|---|
| Address | 42 DANA AVE, ALBANY, NY 12208-3506 |
| Document Number | 0000021930 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 202521930 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 12, 2020 |
| Property Address | 1576 STATE ST, SCHENECTADY, NY 12304-1528 |
| Document Number | 0000016921 |
| Book / Page | 002036 / 000397 |
| Instrument Date | Apr 1, 2020 |
| Instrument | 16921 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $472.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1741 PINEGROVE ST JAMAICA NY 11435, JAMAICA, NY 11435 |
| Document Number | 16923 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 004995/000953 |
| Instrument | 16923 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 11, 2050 |
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 | $6,712.00 (+1.9%) | ||
| 2025 | $6,587.00 (+7.49%) | $137,600 (-) Land $16,700 Building $120,900 | $227,852 (+13.35%) Land $27,654 Building $200,198 |
| 2024 | $137,600 (-) Land $16,700 Building $120,900 | $201,023 (+15.41%) Land $24,397 Building $176,626 | |
| 2023 | $137,600 (-) Land $16,700 Building $120,900 | $174,177 (+3.8%) Land $21,139 Building $153,038 | |
| 2022 | $137,600 Land $16,700 Building $120,900 | $167,805 Land $20,366 Building $147,439 | |
| 2021 | $6,128.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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 Fixed Wireless | 100 / 20 |
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