Schenectady County and Schenectady City property record for 21 Front St, Schenectady, NY 12305
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3 ba · 4,096 sqft · built 1855 |
| Lot Size | 0.121 acres (5,301 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Mar 2025) |
| Tax Bill | $17,250 (2025) |
| Deeds & Mortgages | Jul 2019 Loan Modification Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.55-1-19.1 |
| Primary APN | 421500 39.55-1-19.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 13 Rooms |
| Stories | 3 Stories |
| Building Area | 4,096 sqft Total Area |
| 1st Floor Area | 1,568 sqft |
| 2nd Floor Area | 1,568 sqft |
| Upper Floors Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1855 |
|---|---|
| Effective Year Built | Effective 1855 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Lot Area | 5,301 sqft (0.121 acres) |
| Lot Dimensions | 177 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 96 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 21 FRONT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1361 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 19.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 33500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Schenectady County and Schenectady City records, as of May 26, 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 Record |
|---|---|
| Mailing Address | 21 FRONT ST, 1, SCHENECTADY, NY 12305-1361 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 3, 2019 | Loan Modification, Mortgage SUNMARK FCU |
| Jul 3, 2019 | Grant Deed, Transfer ROBIN T & YOUNGJA WHITE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2025 · Amount on Record |
| Deed Sale | Mar 27, 2025 · Amount on Record |
| Prior Sale | Jul 3, 2019 · Amount on Record |
| Deed Document Number | 20257463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 3, 2019 |
| Property Address | 21 FRONT ST, SCHENECTADY, NY 12305-1361 |
| Book / Page | 004921 / 000853 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 30158 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 204 LAFAYETTE ST #2 SCHENECTADY NY 123052416, 2, SCHENECTADY, NY 12305-2416 |
| Investor | Possibly a Property Investor |
| Document Number | 0000030158 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 004921/000853 |
| Instrument | 30158 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | 1187 TROY SCHENECTADY RD, LATHAM, NY 12110-1086 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jul 2, 2029 |
| Rate | 5.4% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 3, 2019 |
| Property Address | 21 FRONT ST, SCHENECTADY, NY 12305-1361 |
| Document Number | 0000030135 |
| Book / Page | 002014 / 000727 |
| Instrument Date | Jun 20, 2019 |
| Instrument | 30135 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 204 LAFAYETTE ST SCHENECTADY NY 123052406, SCHENECTADY, NY 12305-2406 |
| Investor | Possibly a Property Investor |
| Document Number | 30159 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 004921/000907 |
| Instrument | 30159 |
| Name | ROBIN T & YOUNGJA WHITE |
|---|---|
| Address | 1622 SUNNYBROOK LN, CLEARWATER, FL 33764-6455 |
| Special Notes | Seller Financed |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jul 2, 2024 |
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 |
|---|---|---|---|
| 2025 | $17,250.00 (+18.71%) | $340,000 (-) Land $59,100 Building $280,900 | $563,007 (+30.82%) Land $97,864 Building $465,143 |
| 2023 | $340,000 (-) Land $59,100 Building $280,900 | $430,380 (+3.8%) Land $74,810 Building $355,570 | |
| 2022 | $340,000 Land $59,100 Building $280,900 | $414,634 Land $72,073 Building $342,561 | |
| 2021 | $14,531.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 individual policies |
| Nearby Flood Policies | 74 units insured incl. 30 condo units |
| Nearby Flood Claims | 11 (1996–2026) |
| Claims Outside the SFHA | 5 of 11 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| Claims by Event |
|
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.
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 159 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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