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2028 State St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 2028 State St, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,320 sqft · built 1920
Lot Size0.128 acres (5,600 sqft)
OwnerIndividual Name on Record
Last Sale$175,000 (Oct 2023)
Tax Bill$5,462 (2026)
Deeds & MortgagesOct 2023 Mortgage
Oct 2023 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN421500 60.56-2-3

Property Details

APN / Parcel Number

Primary APN421500 60.56-2-3
Alternative APN
  • 150006005600020030000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,320 sqft Living Area
1st Floor Area744 sqft
2nd Floor Area576 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleTraditional
Exterior MaterialWood
Lot Area5,600 sqft (0.128 acres)
Lot Dimensions140 ft deep x 40 ft wide
Garage TypeDetached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area240 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address2028 STATE ST
CitySCHENECTADY
StateNY
Zip12304-2140
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code05 - COMME
Legal Description2 WOOD AND GARAGE
Legal SubdivisionWILLIAM STEERS ESTATE
Legal Block2
Legal Lot Number3.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3004
Census Tract21802

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address2028 STATE ST, SCHENECTADY, NY 12304-2140
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2023Deed of Trust, Mortgage
CITY OF SCHENECTADY
Oct 5, 2023Warranty Deed, Transfer · FHA Mortgage
SUNMARK FCU
Mar 26, 2021Quit Claim Deed, Transfer
CITY OF SCHENECTADY
Mar 26, 2021Intrafamily Transfer, Transfer
Mar 18, 2019Correction Deed, Transfer
NOT AVAILABLE
Mar 6, 2019Quit Claim Deed, Transfer
Quitclaim
Sep 21, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 5, 2023 · Amount on Record
Deed SaleOct 5, 2023 · Amount on Record
Prior SaleMar 26, 2021 · Amount on Record
Deed Document Number202356366
Deed Book / Page2117 / 185
Prior Transfer DateMar 19, 2021
Prior Transfer Doc0000013095
Record UpdatedOct 29, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Transaction TypeMortgage
Record UpdatedOct 19, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address208 STATE ST, SCHENECTADY, NY 12305-1806

Mortgage

Document Number0000056369
DateOct 5, 2023
Book Page5334/499
Instrument202356369
Lender
NameCITY OF SCHENECTADY
TypeGovernment Agency
AddressSCHENECTADY, NY 12302
Agreement
AmountAmount Recorded

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateOct 5, 2023
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000056366
Book / Page2117 / 185
Instrument DateJul 3, 2023
Instrument202356366
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanyFORD & REALE TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$700.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address24 COMMERCE ST, SCOTIA, NY 12302-2925

Transferred To (Grantee/Buyer)

NameVerified Name
Address2028 STATE ST, SCHENECTADY, NY 12304-2140

Mortgage

Document Number0000056367
DateOct 5, 2023
Instrument202356367
Lender
NameSUNMARK FCU
TypeCredit Union
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term358 Months
DueAug 1, 2053

Mortgage

Document Number0000056369
DateOct 5, 2023
Book Page5334/499
Instrument202356369
Lender
NameCITY OF SCHENECTADY
TypeGovernment Agency
AddressSCHENECTADY, NY 12302
Agreement
AmountAmount Recorded

March 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateMar 26, 2021
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000013095
Book / Page2055 / 224
Instrument DateMar 19, 2021
Instrument202113095
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$248.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address105 JAY ST, SCHENECTADY, NY 12305-1905

Transferred To (Grantee/Buyer)

NameVerified Name
Address1610 RICHARD ST, SCHENECTADY, NY 12303-1332

Mortgage

Document Number0000013097
DateMar 26, 2021
Instrument202113097
Lender
NameCITY OF SCHENECTADY
TypeGovernment Agency
Agreement
AmountAmount Recorded

March 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSCHENECTADY NY
Recording DateMar 26, 2021
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000013094
Book / Page2055 / 221
Instrument DateMar 19, 2021
Instrument202113094
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 JAY ST, SCHENECTADY, NY 12305-1905
InvestorPossibly a Property Investor

March 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionSCHENECTADY NY
Recording DateMar 18, 2019
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000011685
Book / Page002007 / 000512
Instrument DateMar 14, 2019
Instrument11685
Transaction TypeTransfer
Record UpdatedApr 1, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateMar 6, 2019
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000009779
Book / Page002006 / 000871
Instrument DateMar 6, 2019
Instrument9779
Transaction TypeTransfer
Record UpdatedMar 25, 2019

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

September 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateSep 21, 2018
Property Address2028 STATE ST, SCHENECTADY, NY 12304-2140
Document Number0000042150
Book / Page001996 / 000275
Instrument DateSep 21, 2018
Instrument42150
Transaction TypeForeclosure
Record UpdatedOct 9, 2018

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,462.00 (+2.13%)
2025$5,348.00 (+68.23%)$101,600 (-) Land $15,200 Building $86,400$168,240 (+30.82%) Land $25,170 Building $143,070
2023$101,600 (-) Land $15,200 Building $86,400$128,608 (+3.8%) Land $19,241 Building $109,367
2022$101,600 Land $15,200 Building $86,400$123,902 Land $18,537 Building $105,365
2021$3,179.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 432 locations within half a mile, as of December 31, 2025

ProviderMax 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
Fixed Wireless		100 / 20

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