227 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 227 Front St, Schenectady, NY 12305

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,050 sqft · built 1890
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Jan 2022)
Tax Bill	$7,617 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`421500 39.48-1-17.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.48-1-17.1`
Alternative APN	`150003904800010170010000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,050 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	736 sqft
Basement Area	651 sqft
Unfinished Basement	651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	285 ft deep x 58.6 ft wide

Exterior Amenities

Porch	Slab
Porch Area	262 sqft
Patio Area	27 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	227 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03
Legal Description	2 BRICK
Legal Block	1
Legal Lot Number	17.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1001
Census Tract	20300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	227 FRONT ST, SCHENECTADY, NY 12305-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	May 24, 2001 · Amount on File
Deed Document Number	2022858
Deed Book / Page	2075 / 559
Prior Transfer Date	Sep 19, 2002
Prior Transfer Doc	1634000070
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 6, 2022
Property Address	227 FRONT ST, SCHENECTADY, NY 12305-1319
Document Number	0000000858
Book / Page	2075 / 559
Instrument Date	Dec 2, 2021
Instrument	202200858
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	NOT AVAILABLE, HOMESTEAD FUNDING CROP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 FRONT ST, 227, SCHENECTADY, NY 12305-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	247 PARK PL, SCHENECTADY, NY 12305-1206

Mortgage

Document Number	0000000861
Date	Jan 6, 2022
Instrument	202200861

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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	$7,617.00 (+1.72%)
2025	$7,488.00 (+23.08%)	$150,400 (-) Land $10,500 Building $139,900	$249,048 (+30.82%) Land $17,387 Building $231,661
2023		$150,400 (-) Land $10,500 Building $139,900	$190,380 (+3.8%) Land $13,291 Building $177,089
2022		$150,400 Land $10,500 Building $139,900	$183,415 Land $12,805 Building $170,610
2021	$6,084.00

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

Flood

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 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 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.

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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