20 Jay St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 20 Jay St, Schenectady, NY 12305 · Last verified April 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	6 Beds
Bathrooms	3 Baths
Year Built	Built 1950
Square Footage	3,088 sqft Total Area
Lot Size	2,821 sqft (0.065 acres)
Occupancy	Owner Occupied
Last Sale	$200,000 (2023)
Tax Bill	$8,598.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 39.64-3-16`
Alternative APN	`150003906400030160000000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	9 Rooms
Units	3 Units
Building Area	3,088 sqft Total Area
1st Floor	1,544 sqft 1st Floor
2nd Floor	1,544 sqft 2nd Floor
Basement Area	1,544 sqft Basement
Unfinished Basement	1,544 sqft Unfinished
Stories	2 Stories

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Traditional Style
Exterior Material	Brick Exterior
Lot Area	2,821 sqft (0.065 acres)
Depth X Width	100 ft x 23.3 ft Depth x Width
Porch	1 Porch
Porch Area	90 sqft Porch

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	20 JAY ST
City	SCHENECTADY
State	NY
Zip	12305-1986
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	2 BRICK
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Minor Civil Division	SCHENECTADY
Census Blockgroup	1
Census Block	1003
Census Tract	21001

Owner

Source: Schenectady County and Schenectady City records · APN 421500 39.64-3-16

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	Individual Name on File
Mailing Address	20 JAY ST, SCHENECTADY, NY 12305-1986
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 03, 2023 · Amount on Record
Deed Sale	Nov 03, 2023 · Amount on Record
Prior Sale	Oct 13, 2016 · Amount on Record
Deed Doc Number	202362387
Deed Book / Page	2119 / 59
Record Refreshed	Jun 08, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 03, 2023
Property Address	20 JAY ST, SCHENECTADY, NY 12305-1986
Document Number	0000062387
Book / Page	2119 / 59
Map Reference	MB 1947 PG 617
Instrument Date	Oct 16, 2023
Instrument	202362387
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 TOTEM LODGE RD, AVERILL PARK, NY 12018-3745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JAY ST, SCHENECTADY, NY 12305-1986

Mortgage

Document Number	0000062388
Date	Nov 03, 2023
Instrument	202362388

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

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	$8,598.00 (+5.81%)	$160,000 (-) Land $9,900 Building $150,100	$264,945 (+30.82%) Land $16,393 Building $248,552
2023		$160,000 (-) Land $9,900 Building $150,100	$202,532 (+3.8%) Land $12,532 Building $190,000
2022		$160,000 Land $9,900 Building $150,100	$195,122 Land $12,073 Building $183,049
2021	$8,126.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.