277 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 277 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	29,925 sqft · built 1938
Lot Size	0.61 acres (26,572 sqft)
Owner	Company Name on Record
Tax Bill	$16,809 (2025)
Deeds & Mortgages	Oct 2022 Sale Oct 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.71-2-14.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.71-2-14.1`
Alternative APNs	`150003907100020140010000` `421500 39.71-2-14.11`

Interior

Units	145 Units
Stories	6 Stories
Building Area	29,925 sqft Gross Area
Basement Area	6,686 sqft
Unfinished Basement	6,686 sqft
Elevator	Elevator

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1972
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	347 ft deep x 63.6 ft wide
Canopy	264 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	421500 39.71-2-14.1
Street Address	277 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-1810
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	5 OFFICE BLDG AND ARCADE
Legal Block	2
Legal Lot Number	14.011
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1024
Census Tract	33500

Owner

Source: Schenectady County and Schenectady City records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	12 CENTURY HILL DR, LATHAM, NY 12110-2123
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2022	Lease, Transfer MPR TITLE AGENCY, SMPR TITLE AGENCY
Oct 31, 2022	Warranty Deed, Transfer SMPR TITLE AGENCY INC
May 3, 2019	Deed of Trust, Mortgage CLAUDIA RATHGEB
Oct 30, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

October 2022: Lease, Transfer

Document Type	Lease
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 19, 2022
Property Address	277 STATE ST, SCHENECTADY, NY 12305-1810
Document Number	0000055360
Book / Page	2095 / 70
Instrument Date	Sep 27, 2022
Instrument	202255360
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	MPR TITLE AGENCY, SMPR TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CENTURY HILL DR # 101, 101, LATHAM, NY 12110-2123

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 31, 2022
Property Address	277 STATE ST, SCHENECTADY, NY 12305-1810
Document Number	0000057301
Book / Page	2095 / 859
Instrument Date	Sep 22, 2022
Instrument	202257301
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	SMPR TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$7,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 325, EAST SCHODACK, NY 12063-0325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CENTURY HILL DR, LATHAM, NY 12110-2123

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	277 STATE ST, SCHENECTADY, NY 12305-1810
Document Number	0000021037
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	May 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 325 EAST SCHODACK NY 120630325, EAST SCHODACK, NY 12063-0325

Mortgage

Document Number	0000021037
Date	May 15, 2019
Book Page	004911/000450
Instrument	21037

Lender

Name	CLAUDIA RATHGEB
Address	11 BRITISH AMERICAN BLVD, LATHAM, NY 12110-1464

Agreement

Amount	Amount Recorded

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 30, 2018
Property Address	277 STATE ST, SCHENECTADY, NY 12305-1810
Document Number	0000048177
Book / Page	001998 / 000905
Instrument Date	Oct 26, 2018
Instrument	48177
Transaction Type	Transfer
Record Updated	Nov 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,388.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 325 EAST SCHODACK NY 120630325, EAST SCHODACK, NY 12063-0325

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
2025	$16,809.00 (-12.95%)	$7,900,000 (+1,978.95%) Land $48,100 Building $7,851,900	$13,081,636 (+2,619.6%) Land $79,649 Building $13,001,987
2023		$380,000 (-) Land $48,100 Building $331,900	$481,013 (+3.8%) Land $60,886 Building $420,127
2022		$380,000 Land $48,100 Building $331,900	$463,415 Land $58,659 Building $404,756
2021	$19,310.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 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 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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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