225 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 225 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,472 sqft · built 1910
Lot Size	0.132 acres (5,775 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Sep 2017)
Tax Bill	$5,828 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-1-11`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-1-11`
Alternative APN	`150004905200010110000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,472 sqft Total Area
1st Floor Area	1,236 sqft
2nd Floor Area	1,236 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,775 sqft (0.132 acres)
Lot Dimensions	175 ft deep x 33 ft wide
Porch	Slab
Porch Area	352 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	225 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1107
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	1
Legal Lot Number	11.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

225 Division St, a duplex, is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	225 DIVISION ST, SCHENECTADY, NY 12304-1107
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 11, 2024	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 29, 2017	Warranty Deed, Transfer · FHA Mortgage HUNT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Prior Sale	Oct 16, 2012 · Amount on File
Deed Document Number	201744332
Deed Book / Page	1972 / 332
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	225 DIVISION ST, SCHENECTADY, NY 12304-1107
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 DIVISION ST, SCHENECTADY, NY 12304-1107

Mortgage

Document Number	0000002737
Date	Jan 11, 2024
Book Page	5352/839
Instrument	202402737

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 29, 2017
Property Address	225 DIVISION ST, SCHENECTADY, NY 12304-1107
Document Number	0000044332
Book / Page	1972 / 332
Map Reference	MB1863 PG678
Instrument Date	Sep 28, 2017
Instrument	201744332
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 DIVISION ST, 135, SCHENECTADY, NY 12304-1105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 HAWK ST, SCHENECTADY, NY 12307-1105

Mortgage

Document Number	0000044333
Date	Sep 29, 2017
Book Page	4790/889
Instrument	201744333

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company
Address	LANCASTER, NY 14086

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 225 Division St was $5,828, up 3.4% 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	$5,828.00 (+3.44%)
2025	$5,634.00	$94,500 Land $14,200 Building $80,300	$156,483 Land $23,514 Building $132,969
2023		$94,500 (-) Land $14,200 Building $80,300	$119,620 (+3.8%) Land $17,975 Building $101,645
2022		$94,500 Land $14,200 Building $80,300	$115,244 Land $17,317 Building $97,927
2021	$5,234.00

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

Flood

FEMA maps place 225 Division 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 225 Division 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 924 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

May also be available: T-Mobile.

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