Schenectady County and Schenectady City property record for 22 Harvard St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,338 sqft · built 1900 |
| Lot Size | 0.075 acres (3,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $173,000 (Oct 2023) |
| Tax Bill | $5,555 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.84-2-28 |
| Primary APN | 421500 49.84-2-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,338 sqft Living Area |
| 1st Floor Area | 798 sqft |
| 2nd Floor Area | 540 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,300 sqft (0.075 acres) |
| Lot Dimensions | 100 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 140 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 22 HARVARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | GEORGE W ELY |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21700 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 22 HARVARD ST, SCHENECTADY, NY 12304-3109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2023 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2023 · Amount on Record |
| Deed Sale | Oct 18, 2023 · Amount on Record |
| Prior Sale | Jun 30, 2017 · Amount on Record |
| Deed Document Number | 202358769 |
| Deed Book / Page | 2117 / 790 |
| Last Transfer Date | May 8, 2024 |
| Transfer Doc | 0000029816 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 18, 2023 |
| Property Address | 22 HARVARD ST, SCHENECTADY, NY 12304-3109 |
| Document Number | 0000058769 |
| Book / Page | 2117 / 790 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 202358769 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | SMPR TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $692.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22 HARVARD ST, SCHENECTADY, NY 12304-3109 |
| Name | Verified Name |
|---|---|
| Address | 952 ALBANY ST # 2, 2, SCHENECTADY, NY 12307-1513 |
| Document Number | 0000058770 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | 5336/544 |
| Instrument | 202358770 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 22 HARVARD ST, SCHENECTADY, NY 12304-3109 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 22 HARVARD ST, SCHENECTADY, NY 12304-3109 |
| Document Number | 0000033169 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 5120/252 |
| Instrument | 202133169 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 15, 2041 |
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 | $5,555.00 (+2.15%) | ||
| 2025 | $5,438.00 (+46.77%) | $110,700 (+50.41%) Land $11,000 Building $99,700 | $183,308 (+96.76%) Land $18,215 Building $165,093 |
| 2023 | $73,600 (-) Land $11,000 Building $62,600 | $93,165 (+3.8%) Land $13,924 Building $79,241 | |
| 2022 | $73,600 Land $11,000 Building $62,600 | $89,756 Land $13,415 Building $76,341 | |
| 2021 | $3,705.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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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