Schenectady County and Schenectady City property record for 1597 State St, Schenectady, NY 12304
| Property Type | Auto Repair, Garage |
|---|---|
| Details | 6,592 sqft · built 1996 |
| Lot Size | 0.413 acres (17,976 sqft) |
| Owner | Company Name on File |
| Tax Bill | $20,308 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.22-1-1.1 |
| Primary APN | 421500 60.22-1-1.1 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 6,592 sqft Gross Area |
| Overhead Door | Overhead Door |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 17,976 sqft (0.413 acres) |
| Lot Dimensions | 168 ft deep x 107 ft wide |
| Cooling System | Partial |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1597 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1501 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Auto Repair, Garage |
| Local Zoning Code | 02 - SINGL |
| Legal Description | THRU 17 1 BLOCK & BRICK |
| Legal Block | 1 |
| Legal Lot Number | 1.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 20700 |
1597 State St, a commercial property, is owned by a company that acquired it in March 1999.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1101 MONROE ST, TOLEDO, OH 43604-5811 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 10, 2022 | Warranty Deed, Transfer · Conventional Mortgage SARATOGA NATIONAL BANK & TRUST CO |
| Aug 22, 2018 | Deed of Trust, Mortgage · Commercial Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 1999 |
| Deed Sale | Mar 22, 1999 |
| Prior Sale | Mar 22, 1999 |
| Deed Book / Page | 1553 / 431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 10, 2022 |
| Property Address | 1597 STATE ST, SCHENECTADY, NY 12304-1501 |
| Document Number | 0000024832 |
| Book / Page | 2084 / 414 |
| Map Reference | DR 66 MAP 59 |
| Instrument Date | May 4, 2022 |
| Instrument | 202224832 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2430 CONSAUL RD, SCHENECTADY, NY 12304-1602 |
| Name | Verified Name |
|---|---|
| Address | 412 BROADWAY APT 35, 35, ALBANY, NY 12207-2912 |
| Document Number | 0000024833 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 202224833 |
| Name | SARATOGA NATIONAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5% |
| Index | 1-Year CMT |
| Max Rate | 9% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1597 STATE ST, SCHENECTADY, NY 12304-1501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000037655 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 4859/724 |
| Instrument | 201837655 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | TOLEDO, OH 43604 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 83 Months |
| Due | Jul 1, 2025 |
The 2026 property tax bill for 1597 State St was $20,308, up 0.8% 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 | $20,308.00 (+0.76%) | ||
| 2025 | $20,155.00 | $492,300 Land $35,400 Building $456,900 | $815,201 Land $58,619 Building $756,582 |
| 2023 | $492,300 Land $35,400 Building $456,900 | $623,165 Land $44,810 Building $578,355 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1597 State St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.
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.
The area around 1597 State 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 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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