3 Harvard St, Schenectady, NY 12304 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1923
Lot Size	0.075 acres (3,300 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Mar 2023)
Tax Bill	$5,213 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.84-3-11`

Property Details

APN / Parcel Number

Primary APN	`421500 49.84-3-11`
Alternative APN	`150004908400030110000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	572 sqft
2nd Floor Area	572 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	3,300 sqft (0.075 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Porch	Slab
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3 HARVARD ST
City	SCHENECTADY
State	NY
Zip	12304-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2004
Census Tract	21700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.84-3-11

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 HARVARD ST, SCHENECTADY, NY 12304-3108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	Jun 10, 2015 · Amount on Record
Deed Document Number	202316599
Deed Book / Page	2105 / 74
Record Updated	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 23, 2023
Property Address	3 HARVARD ST, SCHENECTADY, NY 12304-3108
Document Number	0000016599
Book / Page	2105 / 74
Instrument Date	Mar 17, 2023
Instrument	202316599
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 HARVARD ST, SCHENECTADY, NY 12304-3108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 MASTEN AVE, COHOES, NY 12047-4116
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016600
Date	Mar 23, 2023
Instrument	202316600

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,213.00 (+33.39%)	$105,200 (-) Land $11,800 Building $93,400	$174,201 (+30.82%) Land $19,540 Building $154,661
2023		$105,200 (+33.84%) Land $11,800 Building $93,400	$133,165 (+38.92%) Land $14,937 Building $118,228
2022		$78,600 Land $11,800 Building $66,800	$95,854 Land $14,390 Building $81,464
2021	$3,908.00

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.