Schenectady County and Schenectady City property record for 2 Charles St, Schenectady, NY 12304 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,680 sqft Living Area |
| Lot Size | 3,240 sqft (0.074 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $130,000 (2020) |
| Tax Bill | $4,489.00 (2025) |
| Primary APN | 421500 49.68-1-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,680 sqft Living Area |
| 1st Floor | 790 sqft 1st Floor |
| 2nd Floor | 890 sqft 2nd Floor |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 3,240 sqft (0.074 acres) |
| Depth X Width | 108 ft x 30 ft Depth x Width |
| Porch Area | 344 sqft Porch |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 2 CHARLES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2816 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 2 WOOD |
| Legal Subdivision | WILLIAM F JOHNSTON |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | SCHENECTADY |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records · APN 421500 49.68-1-39
Assessment roll updated April 14, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 09, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 10, 2020 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage SUNMARK FCU |
| Jan 17, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Prior Sale | Jan 17, 2019 · Amount on Record |
| Deed Doc Number | 202019937 |
| Deed Book / Page | 2037 / 806 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 09, 2026 |
| Property Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000013158 |
| Instrument Date | Jun 04, 2026 |
| Instrument | 202613158 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000013158, |
|---|---|
| Date | Jun 09, 2026 |
| Instrument | 202613158 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 10, 2020 |
| Property Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000019937 |
| Book / Page | 2037 / 806 |
| Map Reference | CAB A-109 |
| Instrument Date | Jul 07, 2020 |
| Instrument | 202019937 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 COLUMBIA ST, 45, SCHENECTADY, NY 12308-3324 |
| Name | Verified Name |
|---|---|
| Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000019938 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 202019938 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 17, 2019 |
| Property Address | 2 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000002543 |
| Book / Page | 002003 / 000943 |
| Instrument Date | Jan 10, 2019 |
| Instrument | 2543 |
| Transaction Type | Transfer |
| Record Updated | Feb 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3 COLUMBIA ST #1 SCHENECTADY NY 123083303, 1, SCHENECTADY, NY 12308-3303 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,489.00 (+6.37%) | $86,300 (-) Land $12,900 Building $73,400 | $142,904 (+30.82%) Land $21,361 Building $121,543 |
| 2023 | $86,300 (-) Land $12,900 Building $73,400 | $109,241 (+3.8%) Land $16,329 Building $92,912 | |
| 2022 | $86,300 Land $12,900 Building $73,400 | $105,244 Land $15,732 Building $89,512 | |
| 2021 | $4,220.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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