221 Ninth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 221 Ninth St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 997 sqft · built 1906
Lot Size	0.157 acres (6,880 sqft)
Owner	Individual Name on File
Tax Bill	$4,342 (2026)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.51-4-29`

Property Details

APN / Parcel Number

Primary APN	`421500 48.51-4-29`
Alternative APN	`150004805100040290000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	997 sqft Living Area
1st Floor Area	517 sqft
2nd Floor Area	480 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	6,880 sqft (0.157 acres)
Lot Dimensions	86 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	218 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 NINTH ST
City	SCHENECTADY
State	NY
Zip	12306-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	AND 3 2 WOOD
Legal Subdivision	MAGEE AND FAIRLEE
Legal Block	4
Legal Lot Number	29.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2004
Census Tract	21200

Owner

221 Ninth St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	221 NINTH ST, 23, SCHENECTADY, NY 12306-3231
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	221 NINTH ST, SCHENECTADY, NY 12306-3231
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 NINTH ST, SCHENECTADY, NY 12306-3231

Mortgage

Document Number	0000042975
Date	Aug 31, 2021
Book Page	5138/839
Instrument	202142975

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 25, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 221 Ninth St was $4,342 with a homeowner's exemption, up 3.9% 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	$4,342.00 (+3.9%) Homeowner's exemption
2025	$4,179.00	$89,200 Land $13,400 Building $75,800	$147,707 Land $22,189 Building $125,518
2023		$89,200 (-) Land $13,400 Building $75,800	$112,911 (+3.8%) Land $16,962 Building $95,949
2022		$89,200 Land $13,400 Building $75,800	$108,780 Land $16,341 Building $92,439
2021	$3,806.00

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

Flood

FEMA maps place 221 Ninth 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

Wildfire risk around 221 Ninth St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 508 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