Schenectady County and Schenectady City property record for 20 N Jay St, Schenectady, NY 12305
| Property Type | Triplex |
|---|---|
| Details | 7 bd · 3 ba · 2,976 sqft · built 1900 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Mar 2001) |
| Tax Bill | $6,230 (2025) |
| Deeds & Mortgages | May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.65-1-34.2 |
| Primary APN | 421500 39.65-1-34.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 2,976 sqft Total Area |
| 1st Floor Area | 1,504 sqft |
| 2nd Floor Area | 1,472 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 96 ft deep x 25.3 ft wide |
| Porch | Slab |
| Porch Area | 624 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 20 N JAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1152 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | 05 - COMME |
| Legal Description | PT 1 2 BRICK |
| Legal Subdivision | LANDS MADE FOR E NOTT SCHEMERHORN |
| Legal Block | 1 |
| Legal Lot Number | 34.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20300 |
Source: Schenectady County and Schenectady City records, as of July 13, 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 Record |
|---|---|
| Mailing Address | PO BOX 14582, ALBANY, NY 12212-4582 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2001 · Amount on Record |
| Deed Sale | Mar 28, 2001 · Amount on Record |
| Deed Book / Page | 1598 / 466 |
| Last Transfer Date | Feb 19, 2016 |
| Transfer Doc | 0000008883 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 20 N JAY ST, SCHENECTADY, NY 12305-1152 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4085 ALBANY ST, SCHENECTADY, NY 12304-4408 |
| Document Number | 0000027798 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 5304/893 |
| Instrument | 202327798 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,230.00 (+10.13%) | $88,100 (-) Land $13,200 Building $74,900 | $145,885 (+30.82%) Land $21,858 Building $124,027 |
| 2023 | $88,100 (-) Land $13,200 Building $74,900 | $111,519 (+3.8%) Land $16,709 Building $94,810 | |
| 2022 | $88,100 Land $13,200 Building $74,900 | $107,439 Land $16,098 Building $91,341 | |
| 2021 | $5,657.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
|
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.
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.
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 |
| 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.
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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