Schenectady County and Schenectady City property record for 243 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,005 sqft · built 1930 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Jan 2023) |
| Tax Bill | $4,468 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.54-3-17 |
| Primary APN | 421500 60.54-3-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,005 sqft Living Area |
| 1st Floor Area | 724 sqft |
| Upper Floors Area | 281 sqft |
| Attic | Attic |
| Attic Area | 281 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 180 sqft |
| Porch | Slab |
| Porch Area | 250 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 243 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Subdivision | DANIEL O ROURKE |
| Legal Block | 3 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 21802 |
243 Clayton Rd is owned and occupied by an individual who bought it in January 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA |
| Nov 13, 2025 | Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA |
| Jan 4, 2023 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Aug 7, 2018 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2023 · Amount on File |
| Deed Sale | Jan 4, 2023 · Amount on File |
| Prior Sale | Aug 7, 2018 · Amount on File |
| Deed Document Number | 2023344 |
| Deed Book / Page | 2100 / 228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Title Company | FREEDOM ABSTRACT INC, FREEDOM ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Document Number | 0000026808 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 202526808 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Title Company | FREEDOM ABSTRACT INC, FREEDOM ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Document Number | 0000026809 |
|---|---|
| Date | Nov 13, 2025 |
| Instrument | 202526809 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 4, 2023 |
| Property Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Document Number | 0000000344 |
| Book / Page | 2100 / 228 |
| Instrument Date | Nov 16, 2022 |
| Instrument | 202300344 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Name | Verified Name |
|---|---|
| Address | 200 W 111TH ST APT 3F, 3F, NEW YORK, NY 10026-4104 |
| Document Number | 0000000345 |
|---|---|
| Date | Jan 4, 2023 |
| Instrument | 202300345 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Document Number | 0000038869 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 5129/828 |
| Instrument | 202138869 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 7, 2018 |
| Property Address | 243 CLAYTON RD, SCHENECTADY, NY 12304-3817 |
| Document Number | 0000034921 |
| Book / Page | 001993 / 000089 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 34921 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $459.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 243 CLAYTON RD SCHENECTADY NY 123043817, SCHENECTADY, NY 12304-3817 |
The 2026 property tax bill for 243 Clayton Rd was $4,468, up 1.3% from the year before.
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 | $4,468.00 (+1.34%) | ||
| 2025 | $4,409.00 | $83,200 Land $12,500 Building $70,700 | $137,771 Land $20,699 Building $117,072 |
| 2023 | $83,200 (-) Land $12,500 Building $70,700 | $105,316 (+3.8%) Land $15,823 Building $89,493 | |
| 2022 | $83,200 Land $12,500 Building $70,700 | $101,463 Land $15,244 Building $86,219 | |
| 2021 | $4,134.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 243 Clayton Rd in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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.
Wildfire risk around 243 Clayton Rd is low, with less than a 0.01% annual chance of wildfire.
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 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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