Schenectady County and Schenectady City property record for 1581 Union St, Schenectady, NY 12309
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2,283 sqft · built 1981 |
| Lot Size | 0.104 acres (4,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (May 2008) |
| Tax Bill | $7,396 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.30-1-8 |
| Primary APN | 421500 50.30-1-8 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,283 sqft Gross Area |
| Basement Area | 784 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 4,534 sqft (0.104 acres) |
| Lot Dimensions | 101 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 114 sqft |
| Cooling System | Partial |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1581 UNION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-6121 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 3 PT OF EACH 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 20500 |
1581 Union St, a commercial property, is owned by an individual who bought it in May 2008.
Source: Schenectady County and Schenectady City records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 152 WILLOW LN, SCHENECTADY, NY 12302-5528 |
| 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 |
|---|---|
| Last Sale | May 21, 2008 · Amount on File |
| Deed Sale | May 21, 2008 · Amount on File |
| Deed Book / Page | 1782 / 486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 15, 2026 |
| Property Address | 1581 UNION ST, SCHENECTADY, NY 12309-6121 |
| Document Number | 0000020477 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202620477 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | SMPR TITLE AGENCY INC, SMPR TITLE |
| Name | Verified Name |
|---|---|
| Address | 152 WILLOW LN, SCHENECTADY, NY 12302-5528 |
| Document Number | 0000020477, |
|---|---|
| Date | Sep 15, 2026 |
| Instrument | 202620477 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 1581 Union St was $7,396, up 1.8% 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 | $7,396.00 (+1.79%) | ||
| 2025 | $7,266.00 | $137,200 Land $14,100 Building $123,100 | $227,190 Land $23,348 Building $203,842 |
| 2023 | $137,200 (-) Land $14,100 Building $123,100 | $173,671 (+3.8%) Land $17,848 Building $155,823 | |
| 2022 | $137,200 Land $14,100 Building $123,100 | $167,317 Land $17,195 Building $150,122 | |
| 2021 | $6,939.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1581 Union St in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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.
The area around 1581 Union St has no burnable land within ember reach, so its wildfire risk is not rated.
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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures