202 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 202 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	14,025 sqft · built 2003
Lot Size	0.186 acres (8,120 sqft)
Owner	Company Name on File
Last Sale	$1,245,000 (Jan 2019)
Tax Bill	$783 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2019 Sale & Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`421500 39.71-3-1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.71-3-1`
Alternative APN	`150003907100030010000000`

Interior

Stories	2 Stories
Building Area	14,025 sqft Gross Area
Basement Area	7,150 sqft
Unfinished Basement	7,150 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	8,120 sqft (0.186 acres)
Lot Dimensions	140 ft deep x 58 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	202 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-1806
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	2 BRICK 0002140605 200,000
Legal Block	3
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1025
Census Tract	33500

Owner

202 State St, a commercial property, is owned by a company that bought it in January 2019.

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

Owner of Record	Company Name on File
Mailing Address	42 RUGGLES RD, SARATOGA SPRINGS, NY 12866-5420
Owner Type	Company
Vesting	Company

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 20, 2022	Deed of Trust, Mortgage SARATOGA NATIONAL BANK & TRUST CO
Jan 8, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage 202 STATE STREET LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2019 · Amount on File
Deed Sale	Jan 8, 2019 · Amount on File
Prior Sale	Feb 25, 2013 · Amount on File
Deed Document Number	2019921
Deed Book / Page	2003 / 353
Prior Transfer Date	Jun 30, 1995
Prior Transfer Doc	1476000107
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	202 STATE ST, SCHENECTADY, NY 12305-1806
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 RUGGLES RD, SARATOGA SPRINGS, NY 12866-5420

Mortgage

Document Number	0000049935
Date	Sep 20, 2022
Book Page	5257/783
Instrument	202249935

Lender

Name	SARATOGA NATIONAL BANK & TRUST CO
Type	Bank
Address	SARATOGA SPRINGS, NY 12866

Agreement

Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 8, 2019
Property Address	202 STATE ST, SCHENECTADY, NY 12305-1806
Document Number	0000000921
Book / Page	2003 / 353
Instrument Date	Jan 2, 2019
Instrument	201900921
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 NEW KARNER RD, 440, ALBANY, NY 12205-3810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 REGENT ST, SARATOGA SPRINGS, NY 12866-4515

Mortgage

Document Number	0000000922
Date	Jan 8, 2019
Instrument	201900922

Lender

Name	202 STATE STREET LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000000926
Date	Jan 8, 2019
Book Page	4888/296
Instrument	201900926

Lender

Name	GLENS FALLS NATIONAL BANK AND TRUST COMP
Type	Non-Lending Institution
Address	GLENS FALLS, NY 12801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 202 State St was $783, up 1.7% 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	$783.00 (+1.69%)
2025	$770.00	$1,093,840 Land $25,900 Building $1,067,940	$1,811,293 Land $42,888 Building $1,768,405
2023		$1,093,840 (-) Land $25,900 Building $1,067,940	$1,384,608 (+3.8%) Land $32,785 Building $1,351,823
2022		$1,093,840 Land $25,900 Building $1,067,940	$1,333,951 Land $31,585 Building $1,302,366
2021	$710.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 202 State St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 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 202 State 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 92 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 Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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