Schenectady County and Schenectady City property record for 225 Edward St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1910 |
| Lot Size | 0.205 acres (8,964 sqft) |
| Owner | Individual Name on File |
| Last Sale | $74,500 (Aug 2011) |
| Tax Bill | $3,672 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Aug 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.83-1-11.1 |
| Primary APN | 421500 49.83-1-11.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 540 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 8,964 sqft (0.205 acres) |
| Lot Dimensions | 166 ft deep x 54 ft wide |
| Porch | Slab |
| Porch Area | 164 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 225 EDWARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AND HALF OF 117 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 11.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 21700 |
225 Edward St is owned and occupied by an individual who bought it in August 2011.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 EDWARD ST, SCHENECTADY, NY 12304-2911 |
| 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.
| Date | Document |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Aug 11, 2020 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2011 · Amount on File |
| Deed Sale | Aug 2, 2011 · Amount on File |
| Deed Document Number | 201130381 |
| Deed Book / Page | 1841 / 599 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 225 EDWARD ST, SCHENECTADY, NY 12304-2911 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 225 EDWARD ST, SCHENECTADY, NY 12304-2911 |
| Document Number | 0000005385 |
|---|---|
| Date | Jan 30, 2023 |
| Book Page | 5286/621 |
| Instrument | 202305385 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jan 1, 2063 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 225 EDWARD ST, SCHENECTADY, NY 12304-2911 |
| Document Number | 0000026156 |
| Instrument Date | Aug 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 225 EDWARD ST SCHENECTADY NY 123042911, SCHENECTADY, NY 12304-2911 |
| Document Number | 0000026156 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 005017/000931 |
| Instrument | 26156 |
| Name | MIDFIRST BK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
The 2026 property tax bill for 225 Edward St was $3,672 with a homeowner's exemption, up 4.5% from the year before.
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 | $3,672.00 (+4.5%) Homeowner's exemption | ||
| 2025 | $3,514.00 | $74,100 Land $11,100 Building $63,000 | $122,702 Land $18,380 Building $104,322 |
| 2023 | $74,100 (-) Land $11,100 Building $63,000 | $93,797 (+3.8%) Land $14,051 Building $79,746 | |
| 2022 | $74,100 Land $11,100 Building $63,000 | $90,366 Land $13,537 Building $76,829 | |
| 2021 | $3,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 Edward 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 risk around 225 Edward 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 | None beyond 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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