Schenectady County and Schenectady City property record for 23 Frank St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,134 sqft · built 1910 |
| Lot Size | 0.093 acres (4,080 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (Nov 2021) |
| Tax Bill | $7,651 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jan 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-4-28 |
| Primary APN | 421500 49.76-4-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,134 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 432 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,080 sqft (0.093 acres) |
| Lot Dimensions | 120 ft deep x 34 ft wide |
| Porch | Slab |
| Porch Area | 158 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 FRANK ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | CLUTE MAP 2 WOOD AND GARAGE |
| Legal Subdivision | ESTATE OF S P H CLUTE |
| Legal Block | 4 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 23 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Jan 4, 2021 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 15, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on Record |
| Deed Sale | Nov 8, 2021 · Amount on Record |
| Prior Sale | Jan 4, 2021 · Amount on Record |
| Deed Document Number | 202155893 |
| Deed Book / Page | 2071 / 69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 8, 2021 |
| Property Address | 23 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000055893 |
| Book / Page | 2071 / 69 |
| Instrument Date | Nov 2, 2021 |
| Instrument | 202155893 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 9047 202ND ST, HOLLIS, NY 11423-2716 |
| Document Number | 0000055895 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 202155895 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 4, 2021 |
| Property Address | 23 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000000090 |
| Book / Page | 002049 / 000145 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 90 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $346.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 527 ONTARIO ST SCHENECTADY NY 123064012, SCHENECTADY, NY 12306-4012 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 15, 2020 |
| Property Address | 23 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000039802 |
| Book / Page | 002047 / 000960 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 39802 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1346 STERLING RD PATTERSONVILLE NY 121372513, PATTERSONVILLE, NY 12137-2513 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,651.00 (+1.74%) | ||
| 2025 | $7,520.00 (+72.32%) | $155,800 (-) Land $12,800 Building $143,000 | $257,990 (+30.82%) Land $21,196 Building $236,794 |
| 2023 | $155,800 (-) Land $12,800 Building $143,000 | $197,215 (+3.8%) Land $16,203 Building $181,012 | |
| 2022 | $155,800 Land $12,800 Building $143,000 | $190,000 Land $15,610 Building $174,390 | |
| 2021 | $4,364.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 639 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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