226 Cherry St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 226 Cherry St, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,384 sqft · built 1910
Lot Size	0.141 acres (6,150 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Nov 2023)
Tax Bill	$5,989 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.51-4-7`

Property Details

APN / Parcel Number

Primary APN	`421500 48.51-4-7`
Alternative APN	`150004805100040070000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,384 sqft Living Area
1st Floor Area	712 sqft
2nd Floor Area	672 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	6,150 sqft (0.141 acres)
Lot Dimensions	150 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	302 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	226 CHERRY ST
City	SCHENECTADY
State	NY
Zip	12306-3118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF 77 2 WOOD AND GARAGE
Legal Block	4
Legal Lot Number	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2004
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.51-4-7

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	226 CHERRY ST, SCHENECTADY, NY 12306-3118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 20, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTCO BANK
Jul 19, 2018	Trustee's Deed, Foreclosure NORTHEAST TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 29, 2023 · Amount on Record
Deed Sale	Nov 29, 2023 · Amount on Record
Prior Sale	Nov 20, 2018 · Amount on Record
Deed Document Number	202367186
Deed Book / Page	2120 / 300
Record Updated	Jun 08, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 29, 2023
Property Address	226 CHERRY ST, SCHENECTADY, NY 12306-3118
Document Number	0000067186
Book / Page	2120 / 300
Instrument Date	Nov 08, 2023
Instrument	202367186
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 CHERRY ST, SCHENECTADY, NY 12306-3118

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1132 CUTLER ST, SCHENECTADY, NY 12303-2004

Mortgage

Document Number	0000067187
Date	Nov 29, 2023
Instrument	202367187

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 20, 2018
Property Address	226 CHERRY ST, SCHENECTADY, NY 12306-3118
Document Number	0000051307
Book / Page	2000 / 375
Map Reference	CAB B 299&300
Instrument Date	Nov 05, 2018
Instrument	201851307
Transaction Type	Subdivision Related Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$532.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	MCCLELLA STREET, SCHENECTADY, NY 12304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 7TH AVE, SCHENECTADY, NY 12303-1716

Mortgage

Document Number	0000051308
Date	Nov 20, 2018
Instrument	201851308

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2048

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 19, 2018
Property Address	226 CHERRY ST, SCHENECTADY, NY 12306-3118
Document Number	0000031730
Book / Page	001991 / 000744
Instrument Date	Jun 27, 2018
Instrument	31730
Transaction Type	Foreclosure
Record Updated	Aug 06, 2018
Title Company	NORTHEAST TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$78.80
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	334 MCCLELLAN ST SCHENECTADY NY 123041132, SCHENECTADY, NY 12304-1132

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,989.00 (+16.36%)	$123,000 (+13.68%) Land $16,200 Building $106,800	$203,676 (+48.71%) Land $26,826 Building $176,850
2023		$108,200 (-) Land $16,200 Building $92,000	$136,962 (+3.8%) Land $20,506 Building $116,456
2022		$108,200 Land $16,200 Building $92,000	$131,951 Land $19,756 Building $112,195
2021	$5,147.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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