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23 Elbert St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 23 Elbert St, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,240 sqft · built 1911
Lot Size0.088 acres (3,840 sqft)
Owner2 Individual Names on Record
Last Sale$132,500 (Jan 2020)
Tax Bill$6,182 (2026)
Deeds & MortgagesJan 2020 Sale & Mortgage
Oct 2018 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN421500 49.76-4-3

Property Details

APN / Parcel Number

Primary APN421500 49.76-4-3
Alternative APN
  • 150004907600040030000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,240 sqft Living Area
1st Floor Area668 sqft
2nd Floor Area572 sqft

Exterior

Year BuiltBuilt 1911
Effective Year BuiltEffective 1911
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area3,840 sqft (0.088 acres)
Lot Dimensions120 ft deep x 32 ft wide
Garage TypeDetached
Garage Area216 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address23 ELBERT ST
CitySCHENECTADY
StateNY
Zip12304-2909
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description2 WOOD AND GARAGE
Legal SubdivisionESTATE OF NICHOLAS MYERS
Legal Block4
Legal Lot Number3.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group2
Census Block2002
Census Tract21700

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 Record2 Individual Names on Record
Mailing Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 8, 2020Warranty Deed, Transfer · FHA Mortgage
SUNMARK CREDIT UNION
Oct 9, 2018Quit Claim Deed, Transfer
Quitclaim
Oct 9, 2018Quit Claim Deed, Transfer
Quitclaim
Feb 28, 2018Grant Deed, Transfer
Sep 1, 2017Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 8, 2020 · Amount on Record
Deed SaleJan 8, 2020 · Amount on Record
Prior SaleOct 9, 2018 · Amount on Record
Deed Document Number2020693
Deed Book / Page2027 / 994
Prior Transfer DateOct 4, 2018
Prior Transfer Doc0000044529
Record UpdatedOct 29, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJan 8, 2020
Property Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
Document Number0000000693
Book / Page2027 / 994
Instrument DateJan 7, 2020
Instrument202000693
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyLEGACY TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$530.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2330 OAKLAND AVE, 2330, SCHENECTADY, NY 12309-3619

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address23 ELBERT ST, SCHENECTADY, NY 12304-2909

Mortgage

Document Number0000000694
DateJan 8, 2020
Book Page4965/205
Instrument202000694
Lender
NameSUNMARK CREDIT UNION
TypeNon-Lending Institution
AddressLATHAM, NY 12110
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2050

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateOct 9, 2018
Property Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
Document Number0000044528
Book / Page001997 / 000426
Instrument DateOct 4, 2018
Instrument44528
Transaction TypeTransfer
Record UpdatedOct 25, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateOct 9, 2018
Property Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
Document Number0000044529
Book / Page001997 / 000429
Instrument DateOct 4, 2018
Instrument44529
Transaction TypeTransfer
Record UpdatedOct 30, 2018

Transaction

AmountAmount Recorded
Tax$104.00
Additional
  • Quitclaim
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2330 OAKLAND AVE SCHENECTADY NY 123093619, SCHENECTADY, NY 12309-3619

February 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 28, 2018
Property Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
Document Number0000009019
Book / Page001982 / 000302
Instrument DateFeb 28, 2018
Instrument9019
Transaction TypeTransfer
Record UpdatedMar 9, 2018

Transaction

AmountAmount Recorded
Tax$2.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

September 2017: Tax Deed, Foreclosure

Document TypeTax Deed
JurisdictionSCHENECTADY NY
Recording DateSep 1, 2017
Property Address23 ELBERT ST, SCHENECTADY, NY 12304-2909
Document Number0000039655
Book / Page001970 / 000225
Instrument DateSep 1, 2017
Instrument39655
Transaction TypeForeclosure
Record UpdatedSep 6, 2017

Transaction

AmountAmount Recorded
Tax$2.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

Tax Assessment & Valuation

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$6,182.00 (+1.96%)
2025$6,063.00 (+34.35%)$120,200 (-) Land $9,100 Building $111,100$199,040 (+30.82%) Land $15,069 Building $183,971
2023$120,200 (-) Land $9,100 Building $111,100$152,152 (+3.8%) Land $11,519 Building $140,633
2022$120,200 Land $9,100 Building $111,100$146,585 Land $11,098 Building $135,487
2021$4,513.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

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 639 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
T-Mobile
Fixed Wireless		100 / 20

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