20 Monroe St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 20 Monroe St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Lot Size	0.066 acres (2,880 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Sep 2026)
Tax Bill	$2,301 (2026)
Deeds & Mortgages	Sep 2026 Sale Jun 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.56-3-39`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-3-39`
Alternative APN	`150003905600030390000000`

Exterior

Architectural Style	Duplex Single
Lot Area	2,880 sqft (0.066 acres)
Lot Dimensions	96 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	20 MONROE ST
City	SCHENECTADY
State	NY
Zip	12305-1018
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03
Legal Description	VACANT LOT
Legal Block	3
Legal Lot Number	39.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1010
Census Tract	20300

Owner

20 Monroe St, a duplex, is owned by an individual who bought it in September 2026.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	20 4TH ST, NEW BRUNSWICK, NJ 08901-3306
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer PRIORITY 1 ABSTRACT
Jun 26, 2025	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 3, 2024	Warranty Deed, Transfer
Jan 25, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2026 · Amount on File
Deed Sale	Sep 4, 2026 · Amount on File
Prior Sale	Jun 26, 2025 · Amount on File
Deed Document Number	202619771
Deed Book / Page	2179 / 38
Prior Transfer Date	Nov 18, 2010
Prior Transfer Doc	0000005566
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 4, 2026
Property Address	20 MONROE ST, SCHENECTADY, NY 12305-1018
Document Number	0000019771
Book / Page	2179 / 38
Instrument Date	Jul 31, 2026
Instrument	202619771
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	PRIORITY 1 ABSTRACT

Transaction

Amount	Amount on Record
Tax	$177,760.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 4TH ST, NEW BRUNSWICK, NJ 08901-3306

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 26, 2025
Property Address	20 MONROE ST, SCHENECTADY, NY 12305-1018
Document Number	0000016031
Instrument Date	Jun 26, 2025
Instrument	202516031
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 CURRYBUSH CONNECTION, SCHENECTADY, NY 12306-6240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIVERSIDE DR, NEW YORK, NY 10069-0046

Mortgage

Document Number	0000016032
Date	Jun 26, 2025
Instrument	202516032

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 3, 2024
Property Address	20 MONROE ST, SCHENECTADY, NY 12305-1018
Document Number	0000058677
Book / Page	2139 / 13
Instrument Date	Sep 3, 2024
Instrument	202458677
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1186 WALNUT AVE, SCHENECTADY, NY 12306-3619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 CURRYBUSH CONNECTION, SCHENECTADY, NY 12306-6240

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 25, 2017
Property Address	20 MONROE ST, SCHENECTADY, NY 12305
Document Number	0000004087
Book / Page	001955 / 000148
Instrument Date	Jan 10, 2017
Instrument	4087
Transaction Type	Transfer
Record Updated	Feb 14, 2017

Transaction

Amount	Amount on Record
Tax	$24.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 OAKRIDGE DR SCHENECTADY NY 123061710, SCHENECTADY, NY 12306-1710

Tax Assessment & Valuation

The 2026 property tax bill for 20 Monroe St was $2,301, up 525.3% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,301.00 (+525.27%)
2025	$368.00	$9,000 Land $8,600 Building $400	$14,903 Land $14,241 Building $662
2023		$9,000 (-) Land $8,600 Building $400	$11,392 (+3.79%) Land $10,886 Building $506
2022		$9,000 Land $8,600 Building $400	$10,976 Land $10,488 Building $488
2021	$364.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20 Monroe St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 20 Monroe St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

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, 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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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