21 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 21 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Store/Office
Details	1,300 sqft · built 1900
Lot Size	0.046 acres (2,000 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Jul 2020)
Tax Bill	$2,790 (2026)
Deeds & Mortgages	Oct 2017 Transfer Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-3-31`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-3-31`
Alternative APN	`150003906300030310000000`

Interior

Stories	1 Story
Building Area	1,300 sqft Gross Area
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1972
Lot Area	2,000 sqft (0.046 acres)
Lot Dimensions	100 ft deep x 20 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-1705
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	05 - COMME
Legal Description	1 BRICK
Legal Block	3
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1022
Census Tract	33500

Owner

21 State St, a commercial property, is owned by an individual who bought it in July 2020.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	129 HILL PARK AVE, GREAT NECK, NY 11021-3828
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2020 · Amount on File
Deed Sale	Jul 23, 2020 · Amount on File
Prior Sale	Jun 12, 1998 · Amount on File
Deed Document Number	202021044
Deed Book / Page	2038 / 336
Prior Transfer Date	Oct 25, 2017
Prior Transfer Doc	0000048872
Record Updated	Oct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 27, 2017
Property Address	21 STATE ST, SCHENECTADY, NY 12305-1705
Document Number	0000048873
Book / Page	001974 / 000071
Instrument Date	Aug 25, 2017
Instrument	48873
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2323 SHIRL LN NISKAYUNA NY 123095919, NISKAYUNA, NY 12309-5919

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 27, 2017
Property Address	21 STATE ST, SCHENECTADY, NY 12305-1705
Document Number	0000048872
Book / Page	001974 / 000066
Instrument Date	Aug 25, 2017
Instrument	48872
Transaction Type	Transfer
Record Updated	Nov 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 SHIRL LN NISKAYUNA NY 123095919, NISKAYUNA, NY 12309-5919

Tax Assessment & Valuation

The 2026 property tax bill for 21 State St was $2,790, up 32.6% from the year before.

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
2026	$2,790.00 (+32.6%)
2025	$2,104.00	$42,200 Land $7,000 Building $35,200	$69,879 Land $11,591 Building $58,288
2023		$42,200 (-) Land $7,000 Building $35,200	$53,418 (+3.8%) Land $8,861 Building $44,557
2022		$42,200 Land $7,000 Building $35,200	$51,463 Land $8,537 Building $42,926
2021	$2,265.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 21 State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

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.

Wildfire

The area around 21 State 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.

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 92 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 Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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