2328 William St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 2328 William St, Schenectady, NY 12306

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,592 sqft · built 1910
Lot Size	0.099 acres (4,350 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Sep 2025)
Tax Bill	$5,772 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.83-2-15`

Property Details

APN / Parcel Number

Primary APN	`421500 48.83-2-15`
Alternative APN	`150004808300020150000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,592 sqft Total Area
1st Floor Area	844 sqft
2nd Floor Area	748 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,350 sqft (0.099 acres)
Lot Dimensions	87 ft deep x 50 ft wide
Porch	Slab
Porch Area	148 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2328 WILLIAM ST
City	SCHENECTADY
State	NY
Zip	12306-4427
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	1X WOOD
Legal Block	2
Legal Lot Number	15.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2002
Census Tract	33200

Owner

2328 William St, a duplex, is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	833 MAIN AVE, SCHENECTADY, NY 12303-1129
Owner Type	Individual
Vesting	Joint Tenants

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

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 20, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Sep 24, 2025	Warranty Deed, Transfer · Conventional Mortgage US MORTGAGE CORP
Oct 11, 2018	Warranty Deed, Transfer CITY OF SCHENECTADY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on File
Deed Sale	Sep 24, 2025 · Amount on File
Prior Sale	Oct 11, 2018 · Amount on File
Deed Document Number	202523016
Deed Book / Page	2157 / 670
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427

Mortgage

Document Number	0000001556
Date	Jan 8, 2024
Book Page	5350/838
Instrument	202401556

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	478 Months
Due	Nov 1, 2063

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427
Transaction Type	Mortgage
Record Updated	Oct 6, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427

Mortgage

Document Number	0000055576
Date	Oct 20, 2022
Book Page	5265/512
Instrument	202255576

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Nov 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427

Mortgage

Document Number	0000063545
Date	Oct 22, 2024
Book Page	5405/654
Instrument	202463545

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2064

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 24, 2025
Property Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427
Document Number	0000023016
Instrument Date	May 14, 2025
Instrument	202523016
Transaction Type	Transfer
Record Updated	Oct 6, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	833 MAIN AVE, SCHENECTADY, NY 12303-1129

Mortgage

Document Number	0000023017
Date	Sep 24, 2025
Instrument	202523017

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jun 1, 2055

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 11, 2018
Property Address	2328 WILLIAM ST, SCHENECTADY, NY 12306-4427
Document Number	0000045064
Book / Page	1997 / 691
Instrument Date	Oct 3, 2018
Instrument	201845064
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1166 HIGHLAND PARK RD, 1166, SCHENECTADY, NY 12309-5410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1711 AVENUE H, SCHENECTADY, NY 12304-4662
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045067
Date	Oct 11, 2018
Instrument	201845067

Lender

Name	CITY OF SCHENECTADY
Type	Government Agency

Agreement

Amount	Amount on Record

Mortgage

Document Number	0000045065
Date	Oct 11, 2018
Book Page	4870/603
Instrument	201845065

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2328 William St was $5,772, up 3.5% from the year before.

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	$5,772.00 (+3.48%)
2025	$5,578.00	$92,000 (-) Land $13,800 Building $78,200	$152,343 (+13.35%) Land $22,851 Building $129,492
2024		$92,000 (-) Land $13,800 Building $78,200	$134,405 (+15.41%) Land $20,161 Building $114,244
2023		$92,000 (-) Land $13,800 Building $78,200	$116,456 (+3.8%) Land $17,468 Building $98,988
2022		$92,000 Land $13,800 Building $78,200	$112,195 Land $16,829 Building $95,366
2021	$5,173.00

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

Flood

FEMA maps place 2328 William St in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 2328 William St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 844 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Greenlight Networks.

Nearby Properties on William St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures