20 Elbert St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 20 Elbert St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,884 sqft · built 1900
Lot Size	0.117 acres (5,120 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Mar 2021)
Tax Bill	$4,801 (2025)
Flood Zone	Zone X (minimal risk)
APN	`421500 49.76-3-22`

Property Details

APN / Parcel Number

Primary APN	`421500 49.76-3-22`
Alternative APN	`150004907600030220000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,884 sqft Total Area
1st Floor Area	974 sqft
2nd Floor Area	910 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,120 sqft (0.117 acres)
Lot Dimensions	160 ft deep x 32 ft wide
Garage Type	Detached
Garage Area	962 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 ELBERT ST
City	SCHENECTADY
State	NY
Zip	12304-2910
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	PT OF 6O 2 WOOD STONE GAR
Legal Block	3
Legal Lot Number	22.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2001
Census Tract	21700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.76-3-22

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	20 ELBERT ST, SCHENECTADY, NY 12304-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 03, 2021 · Amount on Record
Deed Sale	Mar 03, 2021 · Amount on Record
Prior Sale	Mar 19, 2003 · Amount on Record
Deed Document Number	20218413
Deed Book / Page	2053 / 421
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

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	$4,801.00 (+12.51%)	$85,700 (-) Land $12,900 Building $72,800	$141,911 (+30.82%) Land $21,361 Building $120,550
2023		$85,700 (-) Land $12,900 Building $72,800	$108,481 (+3.8%) Land $16,329 Building $92,152
2022		$85,700 Land $12,900 Building $72,800	$104,512 Land $15,732 Building $88,780
2021	$4,267.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 639 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.