Schenectady County and Schenectady City property record for 16 Charles St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,226 sqft · built 1905 |
| Lot Size | 0.108 acres (4,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $25,000 (Mar 2024) |
| Tax Bill | $4,140 (2026) |
| Deeds & Mortgages | Mar 2024 Sale Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-1-45 |
| Primary APN | 421500 49.68-1-45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,226 sqft Living Area |
| 1st Floor Area | 770 sqft |
| 2nd Floor Area | 456 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,725 sqft (0.108 acres) |
| Lot Dimensions | 135 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16 CHARLES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 45.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 21700 |
16 Charles St is owned and occupied by two individuals who bought it in March 2024.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed, Transfer |
| Nov 21, 2017 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2024 · Amount on File |
| Deed Sale | Mar 15, 2024 · Amount on File |
| Prior Sale | Sep 19, 2013 · Amount on File |
| Deed Document Number | 202415740 |
| Deed Book / Page | 2127 / 215 |
| Prior Transfer Date | Jun 21, 2010 |
| Prior Transfer Doc | 1823000067 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 15, 2024 |
| Property Address | 16 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000015740 |
| Book / Page | 2127 / 215 |
| Instrument Date | Feb 22, 2024 |
| Instrument | 202415740 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9 BUCHANAN ST, SCHENECTADY, NY 12304-2013 |
| Name | Verified Name |
|---|---|
| Address | 16 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000056340 |
| Book / Page | 004807 / 000274 |
| Instrument Date | Nov 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 16 CHARLES ST SCHENECTADY NY 123042816, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000056340 |
|---|---|
| Date | Dec 14, 2017 |
| Book Page | 004807/000274 |
| Instrument | 56340 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 16 Charles St was $4,140, up 2.6% 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 | $4,140.00 (+2.63%) | ||
| 2025 | $4,034.00 | $76,400 Land $11,500 Building $64,900 | $126,511 Land $19,043 Building $107,468 |
| 2023 | $76,400 (-) Land $11,500 Building $64,900 | $96,709 (+3.8%) Land $14,557 Building $82,152 | |
| 2022 | $76,400 Land $11,500 Building $64,900 | $93,171 Land $14,024 Building $79,147 | |
| 2021 | $3,208.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Charles St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 16 Charles St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 639 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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