Schenectady County and Schenectady City property record for 18 Frank St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,276 sqft · built 1900 |
| Lot Size | 0.088 acres (3,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $134,000 (Apr 2022) |
| Tax Bill | $5,225 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.84-2-6 |
| Primary APN | 421500 49.84-2-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,276 sqft Living Area |
| 1st Floor Area | 704 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,840 sqft (0.088 acres) |
| Lot Dimensions | 120 ft deep x 32 ft wide |
| Garage Type | Detached |
| Garage Area | 168 sqft |
| Porch | Slab |
| Porch Area | 346 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 18 FRANK ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 6.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | 18 FRANK ST, SCHENECTADY, NY 12304-3107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Apr 8, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2022 · Amount on Record |
| Deed Sale | Apr 8, 2022 · Amount on Record |
| Prior Sale | Oct 6, 2009 · Amount on Record |
| Deed Document Number | 202218357 |
| Deed Book / Page | 2082 / 391 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 18 FRANK ST, SCHENECTADY, NY 12304-3107 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 18 FRANK ST, SCHENECTADY, NY 12304-3107 |
| Document Number | 0000005424 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 202605424 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 8, 2022 |
| Property Address | 18 FRANK ST, SCHENECTADY, NY 12304-3107 |
| Document Number | 0000018357 |
| Book / Page | 2082 / 391 |
| Instrument Date | Apr 5, 2022 |
| Instrument | 202218357 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $536.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 FRANK ST, 18, SCHENECTADY, NY 12304-3107 |
| Name | Verified Name |
|---|---|
| Address | 52 BRUNSWICK AVE, TROY, NY 12180-4357 |
| Document Number | 0000018358 |
|---|---|
| Date | Apr 8, 2022 |
| Instrument | 202218358 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
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 | $5,225.00 (+2.23%) | ||
| 2025 | $5,111.00 (+78.77%) | $102,700 (-) Land $9,400 Building $93,300 | $170,061 (+30.82%) Land $15,565 Building $154,496 |
| 2023 | $102,700 (+51.47%) Land $9,400 Building $93,300 | $130,000 (+57.23%) Land $11,899 Building $118,101 | |
| 2022 | $67,800 Land $9,400 Building $58,400 | $82,683 Land $11,463 Building $71,220 | |
| 2021 | $2,859.00 |
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 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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