216 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 216 Union St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,297 sqft · built 1800
Lot Size	0.152 acres (6,660 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Oct 2011)
Tax Bill	$8,565 (2026)
Deeds & Mortgages	Jan 2021 Loan Modification Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-4-7`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-4-7`
Alternative APN	`150003906300040070000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,297 sqft Living Area
1st Floor Area	1,461 sqft
2nd Floor Area	1,188 sqft
Upper Floors Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Other
Exterior Material	Brick
Lot Area	6,660 sqft (0.152 acres)
Lot Dimensions	185 ft deep x 36 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	303 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	216 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 BRICK
Legal Block	4
Legal Lot Number	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1020
Census Tract	33500

Owner

216 Union St is owned and occupied by an individual who bought it in October 2011.

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

Owner of Record	Individual Name on File
Mailing Address	216 UNION ST, SCHENECTADY, NY 12305-1406
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Loan Modification, Mortgage · Conventional with PMI SEFCU
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2011 · Amount on File
Deed Sale	Oct 20, 2011 · Amount on File
Prior Sale	Jul 2, 2009 · Amount on File
Deed Document Number	201142817
Deed Book / Page	1845 / 710
Record Updated	Oct 29, 2026

January 2021: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	216 UNION ST, SCHENECTADY, NY 12305-1406
Document Number	0000003871
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 UNION ST SCHENECTADY NY 123051406, SCHENECTADY, NY 12305-1406

Mortgage

Document Number	0000003871
Date	Jan 28, 2021
Book Page	005064/000748
Instrument	3871

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 27, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	216 UNION ST, SCHENECTADY, NY 12305-1406
Document Number	0000003868
Instrument Date	Jan 7, 2021
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 UNION ST SCHENECTADY NY 123051406, SCHENECTADY, NY 12305-1406

Mortgage

Document Number	0000003868
Date	Jan 28, 2021
Book Page	005064/000734
Instrument	3868

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 27, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 216 Union St was $8,565 with a homeowner's exemption.

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	$8,565.00 Homeowner's exemption
2025		$179,000 Land $26,900 Building $152,100	$296,407 Land $44,544 Building $251,863
2023	$8,062.00 Homeowner's exemption	$179,000 (-) Land $26,900 Building $152,100	$226,582 (+3.8%) Land $34,051 Building $192,531
2022		$179,000 Land $26,900 Building $152,100	$218,293 Land $32,805 Building $185,488
2021	$7,879.00

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

Flood

FEMA maps place 216 Union St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

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
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 216 Union 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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