220 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 220 Union St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,074 sqft · built 1750
Lot Size	0.159 acres (6,959 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jan 2025)
Tax Bill	$7,734 (2026)
Deeds & Mortgages	Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.63-4-10`

Property Details

APN / Parcel Number

Primary APN	`421500 39.63-4-10`
Alternative APN	`150003906300040100000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,074 sqft Living Area
1st Floor Area	1,151 sqft
2nd Floor Area	923 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1750
Effective Year Built	Effective 1750
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	6,959 sqft (0.159 acres)
Lot Dimensions	193 ft deep x 36 ft wide
Porch	Slab
Porch Area	40 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	220 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 WOOD
Legal Block	4
Legal Lot Number	10.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1020
Census Tract	33500

Owner

220 Union St is owned by an individual who bought it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	217 UNION ST, 3, SCHENECTADY, NY 12305-1444
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Deed Document Number	20252536
Record Updated	Oct 29, 2026

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 31, 2025
Property Address	220 UNION ST, SCHENECTADY, NY 12305-1406
Document Number	0000002536
Instrument Date	Jan 13, 2025
Instrument	202502536
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 UNION ST, SCHENECTADY, NY 12305-1406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 UNION ST APT 3, 3, SCHENECTADY, NY 12305-1444

Mortgage

Document Number	0000002537
Date	Jan 31, 2025
Instrument	202502537

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 220 Union St was $7,734, up 1.7% 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	$7,734.00 (+1.74%)
2025	$7,602.00	$160,100 (-) Land $24,000 Building $136,100	$265,110 (+13.35%) Land $39,742 Building $225,368
2024		$160,100 (-) Land $24,000 Building $136,100	$233,893 (+15.41%) Land $35,062 Building $198,831
2023		$160,100 (-) Land $24,000 Building $136,100	$202,658 (+3.8%) Land $30,380 Building $172,278
2022		$160,100 Land $24,000 Building $136,100	$195,244 Land $29,268 Building $165,976
2021	$7,330.00

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

Flood

FEMA maps place 220 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 220 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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