234 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 234 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,440 sqft · built 1900
Lot Size	0.112 acres (4,884 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Dec 2020)
Tax Bill	$4,247 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.52-2-19`

Property Details

APN / Parcel Number

Primary APN	`421500 49.52-2-19`
Alternative APN	`150004905200020190000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	860 sqft
2nd Floor Area	580 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,884 sqft (0.112 acres)
Lot Dimensions	148 ft deep x 33 ft wide
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	234 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	19.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5005
Census Tract	20700

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 Record	Individual Name on Record
Mailing Address	234 DIVISION ST, SCHENECTADY, NY 12304-1108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Dec 2, 2020	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on Record
Deed Sale	Dec 2, 2020 · Amount on Record
Prior Sale	Jun 17, 1997 · Amount on Record
Deed Document Number	202037979
Deed Book / Page	2046 / 918
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	234 DIVISION ST, SCHENECTADY, NY 12304-1108
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	234 DIVISION ST, SCHENECTADY, NY 12304-1108

Mortgage

Document Number	0000021783
Date	Sep 12, 2025
Instrument	202521783

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 2, 2020
Property Address	234 DIVISION ST, SCHENECTADY, NY 12304-1108
Document Number	0000037979
Book / Page	2046 / 918
Instrument Date	Nov 18, 2020
Instrument	202037979
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	OLD REPUBLIC NATL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 DIVISION ST, 234, SCHENECTADY, NY 12304-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1237 MAIN ST, SCHENECTADY, NY 12303-1818

Mortgage

Document Number	0000037980
Date	Dec 2, 2020
Instrument	202037980

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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	$4,247.00 (+1.36%)
2025	$4,190.00 (+13.7%)	$79,000 (-) Land $11,900 Building $67,100	$130,816 (+30.82%) Land $19,705 Building $111,111
2023		$79,000 (-) Land $11,900 Building $67,100	$100,000 (+3.8%) Land $15,063 Building $84,937
2022		$79,000 Land $11,900 Building $67,100	$96,341 Land $14,512 Building $81,829
2021	$3,685.00

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 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

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 924 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

May also be available: T-Mobile.

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