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248 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 248 Union St, Schenectady, NY 12305

Property Summary

Property TypeApartments (5+ Units)
Details2,102 sqft · built 1984
Lot Size0.062 acres (2,700 sqft)
OwnerIndividual Name on Record
Last Sale$212,000 (May 2024)
Tax Bill$8,178 (2026)
Deeds & MortgagesMar 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN421500 39.63-4-23

Property Details

APN / Parcel Number

Primary APN421500 39.63-4-23
Alternative APN
  • 150003906300040230000000

Interior

Units4 Units
Stories2 Stories
Building Area2,102 sqft Gross Area
Basement Area1,045 sqft
Unfinished Basement1,045 sqft

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1984
Lot Area2,700 sqft (0.062 acres)
Lot Dimensions90 ft deep x 30 ft wide

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address248 UNION ST
CitySCHENECTADY
StateNY
Zip12305-1466
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code03 - MULTI
Legal DescriptionGORE LOT 2 WOOD AND BRICK
Legal Block4
Legal Lot Number23.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1020
Census Tract33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Stockade Historic District
listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RecordIndividual Name on Record
Mailing Address1106 N COUNTRY CLUB DR, SCHENECTADY, NY 12309-5406
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 10, 2024 · Amount on Record
Deed SaleMay 10, 2024 · Amount on Record
Prior SaleSep 12, 2013 · Amount on Record
Deed Document Number202428252
Deed Book / Page2130 / 849
Prior Transfer DateApr 4, 2006
Prior Transfer Doc1731000602
Record UpdatedOct 29, 2026

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address248 UNION ST, SCHENECTADY, NY 12305-1466
Document Number0000012127
Book / Page004749 / 000397
Instrument DateMar 7, 2017
Transaction TypeMortgage
Record UpdatedMar 28, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address8505 SHIRLEY WOODS CT LORTON VA 220791348, LORTON, VA 22079-1348

Mortgage

Document Number0000012127
DateMar 20, 2017
Book Page004749/000397
Instrument12127
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term120 Months
DueMar 19, 2027

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,178.00 (+0.65%)
2025$8,125.00 (+6.22%)$137,700 (-) Land $9,500 Building $128,200$228,018 (+30.82%) Land $15,731 Building $212,287
2023$137,700 (-) Land $9,500 Building $128,200$174,304 (+3.8%) Land $12,025 Building $162,279
2022$137,700 Land $9,500 Building $128,200$167,927 Land $11,585 Building $156,342
2021$7,649.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 2026 · rainfall accumulation
Claims by Event
  • Hurricane Irene, Aug 2011 · 5 claims
  • Severe Storms And Flooding, Jun 2006 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 554 locations within half a mile, as of December 31, 2025

ProviderMax 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.

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