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221 Liberty St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 221 Liberty St, Schenectady, NY 12305

Property Summary

Property TypeCommercial
Lot Size0.09 acres (3,908 sqft)
OwnerCompany Name on Record
Last Sale$25,000 (Aug 2023)
Tax Bill$365 (2025)
Deeds & MortgagesAug 2023 Sale
Oct 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN421500 39.63-4-33

Property Details

APN / Parcel Number

Primary APN421500 39.63-4-33
Alternative APN
  • 150003906300040330000000

Exterior

Lot Area3,908 sqft (0.09 acres)
Lot Dimensions102 ft deep x 40 ft wide

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address221 LIBERTY ST
CitySCHENECTADY
StateNY
Zip12305
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning Code05
Legal DescriptionPARKING LOT
Legal Block4
Legal Lot Number33.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1020
Census Tract33500

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address433 STATE ST, SCHENECTADY, NY 12305-2322
Owner TypeCompany
VestingGovernment

Deeds, Mortgages & Sale History

DateDocument
Aug 21, 2023Bargain and Sale Deed, Transfer
STEWART TITLE, STEWART TITLE INSURANCE CO
Oct 19, 2018Grant Deed, Mortgage
NBT BK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 21, 2023 · Amount on Record
Deed SaleAug 21, 2023 · Amount on Record
Deed Document Number202347402
Deed Book / Page2114 / 127
Record UpdatedJun 8, 2026

August 2023: Bargain and Sale Deed, Transfer

Document TypeBargain and Sale Deed
JurisdictionSCHENECTADY NY
Recording DateAug 21, 2023
Property Address221 LIBERTY ST, SCHENECTADY, NY 12305
Document Number0000047402
Book / Page2114 / 127
Instrument DateJun 28, 2023
Instrument202347402
Transaction TypeTransfer
Record UpdatedSep 4, 2023
Title CompanySTEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

AmountAmount Recorded
Tax$100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address440 STATE ST, SCHENECTADY, NY 12305-2304

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 STATE ST, SCHENECTADY, NY 12305-2322

October 2018: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateOct 19, 2018
Property Address221 LIBERTY ST, SCHENECTADY, NY 12305
Book / Page004872 / 000265
Instrument DateOct 12, 2018
Instrument46352
Transaction TypeMortgage
Record UpdatedNov 5, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3218 E LYDIUS ST SCHENECTADY NY 123035028, SCHENECTADY, NY 12303-5028

Mortgage

Document Number0000046352
DateOct 19, 2018
Book Page004872/000265
Instrument46352
Lender
NameNBT BK
TypeBank
Address80 WOLF RD # 101, ALBANY, NY 12205-2608
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$365.00 (-52.78%)$11,800 (-) Land $2,400 Building $9,400$19,540 (+30.82%) Land $3,974 Building $15,566
2023$11,800 (-) Land $2,400 Building $9,400$14,937 (+3.8%) Land $3,038 Building $11,899
2022$11,800 Land $2,400 Building $9,400$14,390 Land $2,927 Building $11,463
2021$773.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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