203 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 203 Union St, Schenectady, NY 12305

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 3,164 sqft · built 1870
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Tax Bill	$5,405 (2026)
Deeds & Mortgages	Sep 2026 Transfer Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-2-45.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-2-45.1`
Alternative APN	`150003906300020450010000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,164 sqft Total Area
1st Floor Area	1,573 sqft
2nd Floor Area	1,591 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Brick
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	89.2 ft deep x 42.2 ft wide
Porch	Slab
Porch Area	226 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	203 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1405
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 BRICK
Legal Block	2
Legal Lot Number	45.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1012
Census Tract	33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267

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

Owner

Source: Schenectady County and Schenectady City records, as of October 12, 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	203 UNION ST, SCHENECTADY, NY 12305-1405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Correction Deed NONE LISTED ON DOCUMENT
Jul 15, 2026	Executor's Deed, Transfer INGEO, CSC INGEO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 10, 2026
Transfer Doc	0000016084
Record Updated	Oct 29, 2026

September 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 22, 2026
Property Address	203 UNION ST, SCHENECTADY, NY 12305-1405
Document Number	0000021033
Book / Page	2180 / 79
Instrument Date	Sep 3, 2026
Instrument	202621033
Record Updated	Oct 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 UNION ST, SCHENECTADY, NY 12305-1405

July 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 15, 2026
Property Address	203 UNION ST, SCHENECTADY, NY 12305-1405
Document Number	0000016084
Book / Page	2175 / 849
Instrument Date	Jul 10, 2026
Instrument	202616084
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	INGEO, CSC INGEO

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 UNION ST, SCHENECTADY, NY 12305-1405

Tax Assessment & Valuation

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	$5,405.00 (+126.62%) Homeowner's exemption Senior Citizen's exemption
2025	$2,385.00 (+15.61%)	$140,100 (-) Land $21,000 Building $119,100	$231,992 (+30.82%) Land $34,774 Building $197,218
2023		$140,100 (-) Land $21,000 Building $119,100	$177,342 (+3.8%) Land $26,582 Building $150,760
2022		$140,100 Land $21,000 Building $119,100	$170,854 Land $25,610 Building $145,244
2021	$2,063.00

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 · 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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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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