209 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 209 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1910
Lot Size	0.132 acres (5,775 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Nov 2008)
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-1-14`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-1-14`
Alternative APN	`150004905200010140000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,552 sqft Living Area
1st Floor Area	928 sqft
2nd Floor Area	624 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	5,775 sqft (0.132 acres)
Lot Dimensions	175 ft deep x 33 ft wide
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City assessment roll, 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	Individual Name on File
Mailing Address	209 DIVISION ST, SCHENECTADY, NY 12304-1107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 4, 2008 · Amount on Record
Deed Sale	Nov 4, 2008 · Amount on Record
Deed Book / Page	1792 / 611
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	209 DIVISION ST, SCHENECTADY, NY 12304-1107
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 DIVISION ST, SCHENECTADY, NY 12304-1107

Mortgage

Document Number	0000062485
Date	Nov 29, 2022
Book Page	5274/77
Instrument	202262485

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2050

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	$3,948.00 (+11.05%)	$80,100 (-) Land $12,000 Building $68,100	$132,638 (+30.82%) Land $19,871 Building $112,767
2023		$80,100 (-) Land $12,000 Building $68,100	$101,392 (+3.8%) Land $15,190 Building $86,202
2022		$80,100 Land $12,000 Building $68,100	$97,683 Land $14,634 Building $83,049
2021	$3,555.00

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	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 924 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

May also be available: T-Mobile USA.

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