249 Furman St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 249 Furman St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,232 sqft · built 1910
Lot Size	0.164 acres (7,158 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jul 2022)
Tax Bill	$3,512 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-1-46`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-1-46`
Alternative APN	`150004904400010460000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,232 sqft Total Area
1st Floor Area	1,116 sqft
2nd Floor Area	1,116 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,158 sqft (0.164 acres)
Lot Dimensions	175 ft deep x 40.9 ft wide
Porch	Slab
Porch Area	506 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	249 FURMAN ST
City	SCHENECTADY
State	NY
Zip	12304-1115
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	PART OF 2 WOOD
Legal Block	1
Legal Lot Number	46.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5003
Census Tract	20700

Owner

249 Furman St, a duplex, is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	249 FURMAN ST, SCHENECTADY, NY 12304-1115
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Jul 10, 2014 · Amount on File
Deed Document Number	202240174
Deed Book / Page	2089 / 809
Prior Transfer Date	Apr 22, 2014
Prior Transfer Doc	0000020113
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 29, 2022
Property Address	249 FURMAN ST, SCHENECTADY, NY 12304-1115
Document Number	0000040174
Book / Page	2089 / 809
Map Reference	CAB B-179
Instrument Date	Jul 12, 2022
Instrument	202240174
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	249 FURMAN ST, 249, SCHENECTADY, NY 12304-1115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1048 GLENWOOD BLVD, SCHENECTADY, NY 12308-2910

Mortgage

Document Number	0000040176
Date	Jul 29, 2022
Instrument	202240176

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 249 Furman St was $3,512 with exemptions applied, down 41.2% 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	$3,512.00 (-41.18%) Homeowner's exemption Senior Citizen's exemption
2025	$5,971.00	$101,600 Land $13,800 Building $87,800	$168,240 Land $22,851 Building $145,389
2023		$101,600 (+10.68%) Land $13,800 Building $87,800	$128,608 (+14.88%) Land $17,468 Building $111,140
2022		$91,800 Land $13,800 Building $78,000	$111,951 Land $16,829 Building $95,122
2021	$5,164.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 249 Furman 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

Wildfire risk around 249 Furman St 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	Direct burnable vegetation

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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