3 Clement Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 3 Clement Ave, Schenectady, NY 12304 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,432 sqft · built 1920
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Nov 2016)
Tax Bill	$5,252 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 60.63-2-31`

Property Details

APN / Parcel Number

Primary APN	`421500 60.63-2-31`
Alternative APN	`150006006300020310000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,432 sqft Living Area
1st Floor Area	860 sqft
2nd Floor Area	572 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Shed	1 Shed
Shed Area	86 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 CLEMENT AVE
City	SCHENECTADY
State	NY
Zip	12304-4040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 WOOD
Legal Subdivision	COLONIAL HEIGHTS
Legal Block	2
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3016
Census Tract	21802

Owner

Source: Schenectady County and Schenectady City records · APN 421500 60.63-2-31

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 23, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 02, 2016 · Amount on Record
Deed Sale	Nov 02, 2016 · Amount on Record
Prior Sale	Nov 02, 2000 · Amount on Record
Deed Document Number	201651034
Deed Book / Page	1949 / 196
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040
Transaction Type	Mortgage
Record Updated	Oct 07, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040

Mortgage

Document Number	0000022195
Date	Sep 17, 2025
Instrument	202522195

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	242 Months
Due	Nov 01, 2045

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040
Transaction Type	Mortgage
Record Updated	Feb 02, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040

Mortgage

Document Number	0000004108
Date	Jan 23, 2023
Book Page	5284/919
Instrument	202304108

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	286 Months
Due	Nov 01, 2046

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	3 CLEMENT AVE, SCHENECTADY, NY 12304-4040
Transaction Type	Mortgage
Record Updated	Jun 10, 2022
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MODIFICATIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CLEMENT AVENUE, BRANDYWINE, NY 12304

Mortgage

Document Number	0000028660
Date	May 27, 2022
Book Page	5230/486
Instrument	202228660

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Nov 01, 2046

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,252.00 (+4.68%)	$105,000 (-) Land $15,800 Building $89,200	$173,870 (+30.82%) Land $26,163 Building $147,707
2023		$105,000 (-) Land $15,800 Building $89,200	$132,911 (+3.8%) Land $20,000 Building $112,911
2022		$105,000 Land $15,800 Building $89,200	$128,049 Land $19,268 Building $108,781
2021	$5,017.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 619 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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