2109 William St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2109 William St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,748 sqft · built 1930
Lot Size	0.132 acres (5,760 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Feb 2020)
Tax Bill	$7,427 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.76-1-27`

Property Details

APN / Parcel Number

Primary APN	`421500 48.76-1-27`
Alternative APN	`150004807600010270000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,748 sqft Living Area
1st Floor Area	874 sqft
2nd Floor Area	874 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,760 sqft (0.132 acres)
Lot Dimensions	120 ft deep x 48 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	235 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2109 WILLIAM ST
City	SCHENECTADY
State	NY
Zip	12306-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	AND PT OF 52 2 WOOD AND GARAGE
Legal Subdivision	THE JAMES FORD FARM
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2006
Census Tract	33200

Owner

2109 William St is owned by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	201 CHARLESTON ST, ESPERANCE, NY 12066-3228
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
Jan 14, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Feb 12, 2020	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 19, 2018	Grant Deed, Transfer NORTHEAST TITLE AND ABSTRACT COMPANY
Feb 22, 2018	Grant Deed, Foreclosure DOCUMENT RECORDING SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2020 · Amount on File
Deed Sale	Feb 12, 2020 · Amount on File
Prior Sale	Jul 19, 2018 · Amount on File
Deed Document Number	20206141
Deed Book / Page	2030 / 384
Prior Transfer Date	Feb 18, 2016
Prior Transfer Doc	0000014984
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422
Transaction Type	Mortgage
Record Updated	Feb 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422

Mortgage

Document Number	0000002437
Date	Jan 14, 2022
Book Page	5190/604
Instrument	202202437

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 7, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422

Mortgage

Document Number	0000066384
Date	Dec 30, 2021
Book Page	5184/960
Instrument	202166384

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	315 Months
Due	Mar 25, 2048

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 12, 2020
Property Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422
Document Number	0000006141
Book / Page	2030 / 384
Map Reference	MB 374 PG 204
Instrument Date	Jan 31, 2020
Instrument	202006141
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	MARKET TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$668.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2138 LYNNWOOD DR, 2138, NISKAYUNA, NY 12309-2514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 CHARLESTON ST, ESPERANCE, NY 12066-3228

Mortgage

Document Number	0000006142
Date	Feb 12, 2020
Book Page	4972/404
Instrument	202006142

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 19, 2018
Property Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422
Document Number	0000031736
Book / Page	001991 / 000754
Instrument Date	Jul 6, 2018
Instrument	31736
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	NORTHEAST TITLE AND ABSTRACT COMPANY

Transaction

Amount	Amount on Record
Tax	$188.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2138 LYNNWOOD DR NISKAYUNA NY 123092514, NISKAYUNA, NY 12309-2514

February 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 22, 2018
Property Address	2109 WILLIAM ST, SCHENECTADY, NY 12306-4422
Document Number	0000008126
Book / Page	001981 / 000974
Instrument Date	Jul 20, 2016
Instrument	8126
Transaction Type	Foreclosure
Record Updated	Feb 28, 2018
Title Company	DOCUMENT RECORDING SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 2109 William St was $7,427, up 1.8% 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	$7,427.00 (+1.78%)
2025	$7,297.00	$151,500 Land $17,700 Building $133,800	$250,869 Land $29,309 Building $221,560
2023		$151,500 (-) Land $17,700 Building $133,800	$191,772 (+3.8%) Land $22,405 Building $169,367
2022		$151,500 Land $17,700 Building $133,800	$184,756 Land $21,585 Building $163,171
2021	$6,342.00

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

Flood

FEMA maps place 2109 William 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.

Wildfire

The area around 2109 William 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 844 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

May also be available: Greenlight Networks.

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