Schenectady County and Schenectady City property record for 3 Front St, Schenectady, NY 12305
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,268 sqft · built 1850 |
| Lot Size | 0.028 acres (1,236 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jun 2022) |
| Tax Bill | $4,868 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.55-1-8 |
| Primary APN | 421500 39.55-1-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 566 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 1,236 sqft (0.028 acres) |
| Lot Dimensions | 72 ft deep x 17.2 ft wide |
| Porch | Patio |
| Porch Area | 170 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 FRONT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 33500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Schenectady County and Schenectady City records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 3 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Sep 25, 2019 | Deed, Transfer · Conventional Mortgage 1ST PRIORITY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Prior Sale | Sep 25, 2019 · Amount on Record |
| Deed Document Number | 202231257 |
| Deed Book / Page | 2086 / 518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 14, 2022 |
| Property Address | 3 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000031257 |
| Book / Page | 2086 / 518 |
| Instrument Date | May 16, 2022 |
| Instrument | 202231257 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | ALL SEASONS TITLE AGENCY, ALL SEASONS TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 152 FRONT ST, 152, SCHENECTADY, NY 12305-1304 |
| Name | Verified Name |
|---|---|
| Address | 217 WASHINTON AVENUE, SCOTIA, NY 12302-2411 |
| Document Number | 0000031258 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 202231258 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 25, 2019 |
| Property Address | 3 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000043029 |
| Book / Page | 2020 / 772 |
| Instrument Date | Sep 12, 2019 |
| Instrument | 201943029 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | MARKET TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 FRONT ST, 3, SCHENECTADY, NY 12305-1312 |
| Name | Verified Name |
|---|---|
| Address | 7 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000043031 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 201943031 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2034 |
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 | $4,868.00 (+3.4%) | ||
| 2025 | $4,708.00 (+5.47%) | $89,400 (-) Land $13,400 Building $76,000 | $148,038 (+30.82%) Land $22,189 Building $125,849 |
| 2023 | $89,400 (-) Land $13,400 Building $76,000 | $113,165 (+3.8%) Land $16,962 Building $96,203 | |
| 2022 | $89,400 Land $13,400 Building $76,000 | $109,024 Land $16,341 Building $92,683 | |
| 2021 | $4,464.00 |
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.
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 100 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 |
|
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.
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.
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 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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