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1845 Oneida St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 1845 Oneida St, Schenectady, NY 12308

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,306 sqft · built 1920
Lot Size0.095 acres (4,151 sqft)
OwnerIndividual Name on Record
Last Sale$250,000 (Nov 2023)
Tax Bill$7,076 (2026)
Deeds & MortgagesNov 2023 Sale & Mortgage
Nov 2020 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN421500 40.45-1-50

Property Details

APN / Parcel Number

Primary APN421500 40.45-1-50
Alternative APN
  • 150004004500010500000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,306 sqft Living Area
1st Floor Area688 sqft
2nd Floor Area618 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area4,151 sqft (0.095 acres)
Lot Dimensions102 ft deep x 40.5 ft wide
PorchSlab
Porch Area537 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1845 ONEIDA ST
CitySCHENECTADY
StateNY
Zip12308-1713
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Description22 PART OF EACH 2 WOOD
Legal SubdivisionLANDS OF JOHN MADER
Legal Block1
Legal Lot Number50.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group2
Census Block2014
Census Tract20101

Owner

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 RecordIndividual Name on Record
Mailing Address59 LAFAYETTE AVE, COXSACKIE, NY 12051-1328
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 14, 2023Warranty Deed, Transfer · Conventional Mortgage
BROADVIEW FCU
Nov 13, 2020Warranty Deed, Transfer
CAPITAL COMMUNICATIONS FCU
Dec 3, 2018Warranty Deed, Subdivision Related Transfer · FHA Mortgage
SEFCU MORTGAGE SERVICES
Apr 24, 2018Grant Deed, Transfer
CLIFFORD P ZETTLE
Jan 25, 2017Deed in Lieu of Foreclosure, Foreclosure
BLUE STREAK DOCS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 14, 2023 · Amount on Record
Deed SaleNov 14, 2023 · Amount on Record
Prior SaleDec 3, 2018 · Amount on Record
Deed Document Number202364051
Deed Book / Page2119 / 520
Prior Transfer DateOct 26, 2016
Prior Transfer Doc0000003920
Record UpdatedOct 29, 2026

November 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 14, 2023
Property Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713
Document Number0000064051
Book / Page2119 / 520
Instrument DateOct 25, 2023
Instrument202364051
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanyCATIC TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,000.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713

Transferred To (Grantee/Buyer)

NameVerified Name
Address59 LAFAYETTE AVE, COXSACKIE, NY 12051-1328

Mortgage

Document Number0000064052
DateNov 14, 2023
Instrument202364052
Lender
NameBROADVIEW FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2053
Interest
Rate TypeAdjustable Rate
Rate5.87%
Type Change DateNov 1, 2030
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.8%
IndexSOFR Average 30-Day
Max Rate10.8%

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateNov 13, 2020
Property Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713
Document Number0000035366
Book / Page002045 / 000615
Instrument DateNov 9, 2020
Instrument35366
Transaction TypeTransfer
Record UpdatedNov 25, 2020
Title CompanyNATIONAL TITLE AND ABSTRACT COMPANY, NATIONAL TITLE & ABS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$668.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address85 JAMES ST SCHENECTADY NY 123041305, SCHENECTADY, NY 12304-1305

Mortgage

Document Number35370
DateNov 13, 2020
Book Page005040/000178
Instrument35370
Lender
NameCAPITAL COMMUNICATIONS FCU
AddressALBANY, NY 12205
Agreement
AmountAmount Recorded
Term360 Months
DueNov 12, 2050

December 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateDec 3, 2018
Property Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713
Document Number0000052852
Book / Page2001 / 052
Map ReferenceMB 6 PG 173
Instrument DateNov 28, 2018
Instrument201852852
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$752.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4 CHESTNUT LN, 4, SCHENECTADY, NY 12309-1242

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1148 KEYES AVE, SCHENECTADY, NY 12309-5726

Mortgage

Document Number0000052855
DateDec 3, 2018
Instrument201852855
Lender
NameSEFCU MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2048

April 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateApr 24, 2018
Property Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713
Document Number0000017287
Book / Page001985 / 000700
Instrument DateMar 2, 2018
Instrument17287
Transaction TypeTransfer
Record UpdatedMay 14, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$157.60
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address40 CHESTNUT DR GREAT NECK NY 11021, GREAT NECK, NY 11021

Mortgage

Document Number17289
DateApr 24, 2018
Book Page004832/000695
Instrument17289
Lender
NameCLIFFORD P ZETTLE
Address1 EQUITY WAY, WESTLAKE, OH 44145-1050
Agreement
AmountAmount Recorded

January 2017: Deed in Lieu of Foreclosure, Foreclosure

Document TypeDeed in Lieu of Foreclosure
JurisdictionSCHENECTADY NY
Recording DateJan 25, 2017
Property Address1845 ONEIDA ST, SCHENECTADY, NY 12308-1713
Document Number0000003920
Book / Page001955 / 000057
Instrument DateOct 26, 2016
Instrument3920
Transaction TypeForeclosure
Record UpdatedFeb 14, 2017
Title CompanyBLUE STREAK DOCS

Transaction

AmountAmount Recorded
Tax$441.02
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4425 PONCE DE LEON BLVD #5TH CORAL GABLES FL 331461837, 5TH, CORAL GABLES, FL 33146-1837
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,076.00 (+1.83%)
2025$6,949.00 (+4.09%)$143,000 (-) Land $18,500 Building $124,500$236,794 (+30.82%) Land $30,634 Building $206,160
2023$143,000 (-) Land $18,500 Building $124,500$181,013 (+3.8%) Land $23,418 Building $157,595
2022$143,000 Land $18,500 Building $124,500$174,390 Land $22,561 Building $151,829
2021$6,676.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 524 locations within half a mile, as of December 31, 2025

ProviderMax 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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