Schenectady County and Schenectady City property record for 21 Frank St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 888 sqft · built 1910 |
| Lot Size | 0.088 acres (3,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $23,000 (Jul 2005) |
| Tax Bill | $3,501 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-4-27 |
| Primary APN | 421500 49.76-4-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 888 sqft Living Area |
| 1st Floor Area | 456 sqft |
| 2nd Floor Area | 432 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 3,840 sqft (0.088 acres) |
| Lot Dimensions | 120 ft deep x 32 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 314 sqft |
| Porch | Porch |
| Porch Area | 184 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 21 FRANK ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 4 |
| Legal Lot Number | 27.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21700 |
21 Frank St is owned and occupied by an individual who bought it in July 2005.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2005 · Amount on File |
| Deed Sale | Jul 25, 2005 · Amount on File |
| Deed Book / Page | 1711 / 81 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 21 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000005874 |
|---|---|
| Date | Mar 19, 2026 |
| Instrument | 202605874 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 18, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 21 Frank St was $3,501, up 3% from the year before.
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 | $3,501.00 (+3%) | ||
| 2025 | $3,399.00 | $60,900 Land $9,100 Building $51,800 | $100,845 Land $15,069 Building $85,776 |
| 2023 | $60,900 (-) Land $9,100 Building $51,800 | $77,089 (+3.8%) Land $11,519 Building $65,570 | |
| 2022 | $60,900 Land $9,100 Building $51,800 | $74,268 Land $11,098 Building $63,170 | |
| 2021 | $3,190.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Frank St in Zone X, an area of minimal flood risk.
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.
The area around 21 Frank St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 639 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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