Schenectady County and Schenectady City property record for 2050 State St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,205 sqft · built 1925 |
| Lot Size | 0.158 acres (6,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $58,000 (Apr 1997) |
| Tax Bill | $6,696 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.64-2-1 |
| Primary APN | 421500 60.64-2-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,205 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Upper Floors Area | 945 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Cottage |
| Exterior Material | Composition/Composite |
| Lot Area | 6,900 sqft (0.158 acres) |
| Lot Dimensions | 138 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 538 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2050 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Description | AGED AFFIDAVIT REQUIRED 1X WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 1.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 21802 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 13, 2021 | Deed of Trust, Mortgage · Commercial Mortgage WELLS FARGO BANK NA |
| Mar 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 1997 · Amount on Record |
| Deed Sale | Apr 30, 1997 · Amount on Record |
| Deed Book / Page | 1516 / 853 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Document Number | 0000050694 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 5155/619 |
| Instrument | 202150694 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Document Number | 0000050695 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 5155/639 |
| Instrument | 202150695 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55467 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 2050 STATE ST, SCHENECTADY, NY 12304-4115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000012530 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 4749/991 |
| Instrument | 201712530 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 15, 2022 |
| Rate | 3.24% |
|---|
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 |
|---|---|---|---|
| 2026 | $6,696.00 (+2.75%) Homeowner's exemption | ||
| 2025 | $6,517.00 (+10.55%) | $141,700 (-) Land $21,300 Building $120,400 | $234,641 (+30.82%) Land $35,271 Building $199,370 |
| 2023 | $141,700 (-) Land $21,300 Building $120,400 | $179,367 (+3.8%) Land $26,962 Building $152,405 | |
| 2022 | $141,700 Land $21,300 Building $120,400 | $172,805 Land $25,976 Building $146,829 | |
| 2021 | $5,895.00 |
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
| 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.
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.
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 432 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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