2492 McGovern Dr, Schenectady, NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 2492 McGovern Dr, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,517 sqft · built 1960
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Oct 2013)
Tax Bill	$12,046 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 40.19-3-69`

Property Details

APN / Parcel Number

Primary APN	`422400 40.19-3-69`
Alternative APN	`240004001900030690000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,517 sqft Living Area
1st Floor Area	1,911 sqft
Basement Area	606 sqft
Finished Basement	606 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	140 ft deep x 117 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Slab
Porch Area	55 sqft
Patio Area	210 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2492 MCGOVERN DR
City	SCHENECTADY
State	NY
Zip	12309-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	69.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	2
Census Block	2005
Census Tract	32101

Owner

2492 McGovern Dr is owned and occupied by two individuals who bought it in October 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2492 MCGOVERN DR, SCHENECTADY, NY 12309-2434
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	2 Names on Deed
Last Sale	Oct 9, 2013 · Amount on File
Deed Sale	Oct 9, 2013 · Amount on File
Deed Document Number	201345184
Deed Book / Page	1883 / 416
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2492 MCGOVERN DR, SCHENECTADY, NY 12309-2434
Transaction Type	Mortgage
Record Updated	Jul 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 MCGOVERN DR, SCHENECTADY, NY 12309-2434

Mortgage

Document Number	0000031731
Date	Jul 6, 2021
Book Page	5117/296
Instrument	202131731

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2492 McGovern Dr was $12,046 with a homeowner's exemption, up 1.4% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Niskayuna Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,046.00 (+1.35%) Homeowner's exemption
2025	$11,885.00	$262,000 Land $42,000 Building $220,000	$388,100 Land $62,215 Building $325,885
2023		$262,000 Land $42,000 Building $220,000	$331,600 Land $53,157 Building $278,443

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

Flood

FEMA maps place 2492 McGovern Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

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
Nearby Flood Claims	2 (2011–2013)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2013 · other causes

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

Wildfire risk around 2492 McGovern Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20