Schenectady County and Schenectady City property record for 232 Union St, Schenectady, NY 12305
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,802 sqft · built 1884 |
| Lot Size | 0.09 acres (3,947 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $164,000 (Mar 2000) |
| Tax Bill | $8,820 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.63-4-15 |
| Primary APN | 421500 39.63-4-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 12 Rooms |
| Stories | 3 Stories |
| Building Area | 3,802 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| 2nd Floor Area | 1,251 sqft |
| Upper Floors Area | 1,251 sqft |
| Basement Area | 722 sqft |
| Finished Basement | 722 sqft |
| Fireplaces | 4 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Lot Area | 3,947 sqft (0.09 acres) |
| Lot Dimensions | 172 ft deep x 23 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 202 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 232 UNION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 3 BRICK |
| Legal Block | 4 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 33500 |
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 | 232 UNION ST, SCHENECTADY, NY 12305-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2000 · Amount on Record |
| Deed Sale | Mar 23, 2000 · Amount on Record |
| Prior Sale | Aug 7, 1998 · Amount on Record |
| Deed Book / Page | 1574 / 189 |
| Record Updated | Oct 29, 2026 |
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 | $8,820.00 (+4.43%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $8,446.00 (-4.54%) | $238,700 (-) Land $35,800 Building $202,900 | $395,264 (+30.82%) Land $59,281 Building $335,983 |
| 2023 | $238,700 (-) Land $35,800 Building $202,900 | $302,152 (+3.8%) Land $45,316 Building $256,836 | |
| 2022 | $238,700 Land $35,800 Building $202,900 | $291,098 Land $43,659 Building $247,439 | |
| 2021 | $8,848.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 individual policies |
| Nearby Flood Policies | 74 units insured incl. 30 condo units |
| Nearby Flood Claims | 11 (1996–2026) |
| Claims Outside the SFHA | 5 of 11 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| Claims by Event |
|
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.
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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures