228 Front St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 228 Front St, Schenectady, NY 12305

Property Summary

Property Type	Apartments (5+ Units)
Details	6,158 sqft · built 1984
Lot Size	0.142 acres (6,175 sqft)
Owner	Company Name on Record
Last Sale	$173,000 (May 2014)
Tax Bill	$12,022 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`421500 39.56-3-4.11`

Property Details

APN / Parcel Number

Primary APN	`421500 39.56-3-4.11`
Alternative APN	`150003905600030040110000`

Interior

Stories	2 Stories
Building Area	6,158 sqft Gross Area
Basement Area	2,515 sqft
Unfinished Basement	2,515 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	6,175 sqft (0.142 acres)
Lot Dimensions	95 ft deep x 65 ft wide
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 FRONT ST
City	SCHENECTADY
State	NY
Zip	12305
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	03 - MULTI
Legal Description	4 AND 5 2 WOOD
Legal Block	3
Legal Lot Number	4.011
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1003
Census Tract	20300

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1737 UNION ST, SCHENECTADY, NY 12309-6275
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage SUNMARK FCU
Sep 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage SUNMARK FCU
Jun 15, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNMARK FCU
Sep 25, 2017	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Sep 25, 2017	Loan Modification, Consolidation and Extension, Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2014 · Amount on Record
Deed Sale	May 9, 2014 · Amount on Record
Prior Sale	Aug 17, 2004 · Amount on Record
Deed Document Number	201418330
Deed Book / Page	1893 / 528
Last Transfer Date	Sep 8, 2014
Transfer Doc	0000043866
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	228 FRONT ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COURTNEY DR, DELANSON, NY 12053-3550

Mortgage

Document Number	0000049316
Date	Sep 16, 2022
Book Page	5257/32
Instrument	202249316

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2037

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	228 FRONT ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COURTNEY DR, DELANSON, NY 12053-3550

Mortgage

Document Number	0000049317
Date	Sep 16, 2022
Book Page	5257/43
Instrument	202249317

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2032

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	228 FRONT ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026565
Date	Jun 15, 2017
Book Page	4766/700
Instrument	201726565

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2022

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	228 FRONT ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043195
Date	Sep 25, 2017
Book Page	4789/581
Instrument	201743195

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 15, 2022

September 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 25, 2017
Property Address	228 FRONT ST, SCHENECTADY, NY 12305
Book / Page	004789 / 000594
Instrument Date	Sep 22, 2017
Instrument	43196
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	228 FRONT ST SCHENECTADY NY 12305, SCHENECTADY, NY 12305

Mortgage

Document Number	0000043196
Date	Sep 25, 2017
Book Page	004789/000594
Instrument	43196

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Amount	Amount Recorded

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	$12,022.00 (+0.55%)
2025	$11,956.00 (+5.86%)	$212,544 (-) Land $21,600 Building $190,944	$351,952 (+30.82%) Land $35,767 Building $316,185
2023		$212,544 (-) Land $21,600 Building $190,944	$269,043 (+3.8%) Land $27,342 Building $241,701
2022		$212,544 Land $21,600 Building $190,944	$259,200 Land $26,341 Building $232,859
2021	$11,294.00

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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