Schenectady County and Schenectady City property record for 16 School St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,490 sqft · built 1926 |
| Lot Size | 0.159 acres (6,930 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $101,596 (Feb 2015) |
| Tax Bill | $5,853 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2022 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.21-1-20 |
| Primary APN | 421500 60.21-1-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 765 sqft |
| 2nd Floor Area | 725 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 6,930 sqft (0.159 acres) |
| Lot Dimensions | 99 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 220 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 16 SCHOOL ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | P/O 10 2 WOOD AND GARAGE |
| Legal Subdivision | HENRY A LEWIS |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| 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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage SIMPLE TITLE, SIMPLIFILE |
| Nov 30, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 3, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 19, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 12, 2018 | Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 13, 2015 · Amount on Record |
| Deed Sale | Feb 13, 2015 · Amount on Record |
| Prior Sale | Feb 13, 2015 · Amount on Record |
| Deed Book / Page | 1909 / 566 |
| Last Transfer Date | Feb 26, 2015 |
| Transfer Doc | 0000012380 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 14, 2026 |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000018091 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202618091 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000018091, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 202618091 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000062654 |
|---|---|
| Date | Nov 30, 2022 |
| Book Page | 5274/283 |
| Instrument | 202262654 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000046038 |
|---|---|
| Date | Aug 14, 2023 |
| Book Page | 5323/183 |
| Instrument | 202346038 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000066664 |
|---|---|
| Date | Nov 27, 2023 |
| Book Page | 5344/205 |
| Instrument | 202366664 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000039705 |
|---|---|
| Date | Jul 3, 2024 |
| Book Page | 5382/617 |
| Instrument | 202439705 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000015969 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | 5295/715 |
| Instrument | 202315969 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000070000 |
|---|---|
| Date | Nov 19, 2024 |
| Book Page | 5412/345 |
| Instrument | 202470000 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Nov 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 SCHOOL ST, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000050614 |
| Instrument Date | Oct 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2018 |
| Name | Verified Name |
|---|---|
| Address | 16 SCHOOL ST SCHENECTADY NY 123043310, SCHENECTADY, NY 12304-3310 |
| Document Number | 0000050614 |
|---|---|
| Date | Nov 15, 2018 |
| Book Page | 004878/000479 |
| Instrument | 50614 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
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 | $5,853.00 (+3.05%) Homeowner's exemption | ||
| 2025 | $5,680.00 (+7.78%) | $122,400 (-) Land $18,400 Building $104,000 | $202,683 (+30.82%) Land $30,469 Building $172,214 |
| 2023 | $122,400 (-) Land $18,400 Building $104,000 | $154,937 (+3.8%) Land $23,291 Building $131,646 | |
| 2022 | $122,400 Land $18,400 Building $104,000 | $149,268 Land $22,439 Building $126,829 | |
| 2021 | $5,270.00 |
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
| 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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