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228 Union St, Schenectady, NY 12305 Property Records

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

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 2,394 sqft · built 1880
Lot Size0.084 acres (3,674 sqft)
OwnerIndividual Name on File
Last Sale$75,000 (Apr 2016)
Tax Bill$4,444 (2026)
Deeds & MortgagesOct 2023 Transfer
Flood ZoneZone X (minimal risk)
APN421500 39.63-4-13

Property Details

APN / Parcel Number

Primary APN421500 39.63-4-13
Alternative APN
  • 150003906300040130000000

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area2,394 sqft Living Area
1st Floor Area998 sqft
2nd Floor Area956 sqft
Upper Floors Area440 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Architectural StyleOther
Exterior MaterialBrick
Lot Area3,674 sqft (0.084 acres)
Lot Dimensions167 ft deep x 22 ft wide
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area238 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address228 UNION ST
CitySCHENECTADY
StateNY
Zip12305-1406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description3 BRICK
Legal Block4
Legal Lot Number13.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1020
Census Tract33500

Owner

228 Union St is owned and occupied by an individual who acquired it in October 2023.

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

Owner of RecordIndividual Name on File
Mailing Address228 UNION ST, SCHENECTADY, NY 12305-1406
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 25, 2016 · Amount on File
Deed SaleApr 25, 2016 · Amount on File
Prior SaleFeb 25, 2015 · Amount on File
Deed Document Number201617564
Deed Book / Page1936 / 15
Last Transfer DateOct 4, 2023
Transfer Doc0000059479
Record UpdatedOct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSCHENECTADY NY
Recording DateOct 20, 2023
Property Address228 UNION ST, SCHENECTADY, NY 12305-1406
Document Number0000059479
Book / Page2118 / 3
Instrument DateOct 4, 2022
Instrument202359479
Transaction TypeTransfer
Record UpdatedNov 3, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address228 UNION ST, SCHENECTADY, NY 12305-1406

Transferred To (Grantee/Buyer)

NameVerified Name
Address228 UNION ST, SCHENECTADY, NY 12305-1406

Tax Assessment & Valuation

The 2026 property tax bill for 228 Union St was $4,444 with exemptions applied, up 1.8% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,444.00 (+1.81%) Homeowner's exemption Senior Citizen's exemption
2025$4,365.00$142,200 Land $21,300 Building $120,900$235,469 Land $35,271 Building $200,198
2023$142,200 (-) Land $21,300 Building $120,900$180,000 (+3.8%) Land $26,962 Building $153,038
2022$142,200 Land $21,300 Building $120,900$173,415 Land $25,976 Building $147,439
2021$5,048.00

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

Flood

FEMA maps place 228 Union St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 2026 · rainfall accumulation
Claims by Event
  • Hurricane Irene, Aug 2011 · 5 claims
  • Severe Storms And Flooding, Jun 2006 · 2 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

Wildfire risk around 228 Union 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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