206 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 206 Front St, Schenectady, NY 12305 · Last verified May 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,880 sqft · built 1880
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$298,700 (Apr 2026)
Tax Bill	$5,247 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.56-2-40`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-2-40`
Alternative APN	`150003905600020400000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,880 sqft Total Area
1st Floor Area	940 sqft
2nd Floor Area	940 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	206 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1306
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1014
Census Tract	20300

Owner

Source: Schenectady County and Schenectady City records · APN 421500 39.56-2-40

Assessment roll updated April 14, 2026 · Last verified May 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 File
Mailing Address	3449 BOYHAVEN RD, MIDDLE GROVE, NY 12850-1326
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Warranty Deed · Conventional Mortgage HOMESTEAD FUNDING CORPORATION
Nov 10, 2020	Deed, Transfer · Commercial Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	20269023
Deed Book / Page	2170 / 805
Prior Transfer Date	Jun 09, 2010
Prior Transfer Doc	1827000852
Record Updated	Sep 20, 2026

April 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 21, 2026
Property Address	206 FRONT ST, SCHENECTADY, NY 12305-1306
Document Number	0000009023
Book / Page	2170 / 805
Instrument Date	Apr 16, 2026
Instrument	2026.9023
Record Updated	Apr 29, 2026
Title Company	LEGACY TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$120,674.80
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3449 BOYHAVEN RD, MIDDLE GROVE, NY 12850-1326

Mortgage

Document Number	0000009024,
Date	Apr 21, 2026
Instrument	2026..9024

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 10, 2020
Property Address	206 FRONT ST, SCHENECTADY, NY 12305-1306
Document Number	0000034918
Book / Page	2045 / 363
Instrument Date	Nov 02, 2020
Instrument	202034918
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 DUNNSVILLE RD, 231, SCHENECTADY, NY 12306-5401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 S CHURCH ST, SCHENECTADY, NY 12305-1735

Mortgage

Document Number	0000034920
Date	Nov 10, 2020
Instrument	202034920

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2030

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified May 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,247.00 (+18.68%)	$83,900 (-) Land $12,600 Building $71,300	$138,930 (+30.82%) Land $20,864 Building $118,066
2023		$83,900 (-) Land $12,600 Building $71,300	$106,203 (+3.8%) Land $15,949 Building $90,254
2022		$83,900 Land $12,600 Building $71,300	$102,317 Land $15,366 Building $86,951
2021	$4,421.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930203001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011, other causes, Remnants Of Tropical Storm Lee
Claims By Storm	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 554 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum, Redburn Infrastructure. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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