Schenectady County and Schenectady City property record for 28 Elm St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,825 sqft · built 1906 |
| Lot Size | 0.108 acres (4,719 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $63,000 (Sep 2020) |
| Tax Bill | $4,128 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.59-4-5 |
| Primary APN | 421500 49.59-4-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Living Area |
| 1st Floor Area | 953 sqft |
| 2nd Floor Area | 872 sqft |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,719 sqft (0.108 acres) |
| Lot Dimensions | 143 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 227 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 28 ELM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD AND BARN |
| Legal Block | 4 |
| Legal Lot Number | 5.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20700 |
28 Elm St is owned and occupied by two individuals who bought it in September 2020.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 ELM ST, SCHENECTADY, NY 12304-1202 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2020 · Amount on File |
| Deed Sale | Sep 17, 2020 · Amount on File |
| Prior Sale | Sep 25, 2006 · Amount on File |
| Deed Document Number | 202027728 |
| Deed Book / Page | 2041 / 661 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 14, 2021 |
| Property Address | 28 ELM ST, SCHENECTADY, NY 12304-1202 |
| Document Number | 0000051086 |
| Book / Page | 2069 / 237 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 202151086 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | FORD & REALE TITLE SVCS LLC, FORD AND REALE TTL SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2488 ANTONIA DR, NISKAYUNA, NY 12309-2438 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 144 ELM ST, SCHENECTADY, NY 12304-1204 |
| Document Number | 0000051087 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 202151087 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2026 property tax bill for 28 Elm St was $4,128, up 2.6% 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 | $4,128.00 (+2.64%) | ||
| 2025 | $4,022.00 | $76,100 Land $11,400 Building $64,700 | $126,014 Land $18,877 Building $107,137 |
| 2023 | $76,100 (-) Land $11,400 Building $64,700 | $96,329 (+3.8%) Land $14,430 Building $81,899 | |
| 2022 | $76,100 Land $11,400 Building $64,700 | $92,805 Land $13,902 Building $78,903 | |
| 2021 | $3,806.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Elm 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 risk around 28 Elm 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 | 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 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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