2046 William St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2046 William St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 981 sqft · built 1910
Lot Size	0.096 acres (4,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (May 2023)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.76-3-16`

Property Details

APN / Parcel Number

Primary APN	`421500 48.76-3-16`
Alternative APN	`150004807600030160000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	981 sqft Living Area
1st Floor Area	540 sqft
Upper Floors Area	441 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	108 sqft
Patio Area	70 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2046 WILLIAM ST
City	SCHENECTADY
State	NY
Zip	12306-4421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	1X WOOD AND BARN
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2004
Census Tract	33200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2046 WILLIAM ST, SCHENECTADY, NY 12306-4421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP
Dec 19, 2022	Bargain and Sale Deed, Transfer · Commercial Mortgage LIMA ONE CAPITAL LLC
Jul 22, 2022	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2023 · Amount on Record
Deed Sale	May 8, 2023 · Amount on Record
Prior Sale	Dec 19, 2022 · Amount on Record
Deed Document Number	202326289
Deed Book / Page	2107 / 353
Prior Transfer Date	Jun 11, 2012
Prior Transfer Doc	0000026664
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 8, 2023
Property Address	2046 WILLIAM ST, SCHENECTADY, NY 12306-4421
Document Number	0000026289
Book / Page	2107 / 353
Instrument Date	Apr 12, 2023
Instrument	202326289
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 ALBANY SHAKER RD, LOUDONVILLE, NY 12211-1550

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9 CAMBRIDGE BATTENVILLE RD, GREENWICH, NY 12834-4909

Mortgage

Document Number	0000026290
Date	May 8, 2023
Instrument	202326290

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

December 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 19, 2022
Property Address	2046 WILLIAM ST, SCHENECTADY, NY 12306-4421
Document Number	0000066748
Book / Page	2099 / 642
Instrument Date	Sep 26, 2022
Instrument	202266748
Transaction Type	Transfer
Record Updated	Jan 2, 2023
Title Company	PAC ABSTRACT & TTL SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$414.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6555 EXCELLENCE WAY, PLANO, TX 75023-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 ALBANY SHAKER RD, LOUDONVILLE, NY 12211-1550

Mortgage

Document Number	0000066749
Date	Dec 19, 2022
Instrument	202266749

Lender

Name	LIMA ONE CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Nov 1, 2023

July 2022: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 22, 2022
Property Address	2046 WILLIAM ST, SCHENECTADY, NY 12306-4421
Document Number	0000038547
Book / Page	2089 / 156
Instrument Date	Jun 6, 2022
Instrument	202238547
Transaction Type	Foreclosure
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 MOHAWK DR, 114, SCHENECTADY, NY 12303-5715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8200 JONES BRANCH DR, MCLEAN, VA 22102-3107
Investor	Possibly a Property Investor

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
2025	$4,853.00 (+4.84%)	$96,400 (-) Land $14,500 Building $81,900	$159,629 (+30.82%) Land $24,011 Building $135,618
2023		$96,400 (-) Land $14,500 Building $81,900	$122,025 (+3.8%) Land $18,354 Building $103,671
2022		$96,400 Land $14,500 Building $81,900	$117,561 Land $17,683 Building $99,878
2021	$4,629.00

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not 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 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 844 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Greenlight Networks.

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