301 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 301 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,900 sqft · built 1910
Lot Size	0.12 acres (5,265 sqft)
Owner	2 Individual Names on File
Last Sale	$24,325 (Oct 2010)
Tax Bill	$4,888 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-2-54`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-54`
Alternative APN	`150004904400020540000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,900 sqft Total Area
1st Floor Area	950 sqft
2nd Floor Area	950 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,265 sqft (0.12 acres)
Lot Dimensions	175 ft deep x 30 ft wide
Porch	Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	301 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	PART OF 2 WOOD
Legal Block	2
Legal Lot Number	54.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.44-2-54

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	2 Individual Names on File
Mailing Address	303 DIVISION ST, SCHENECTADY, NY 12304-1109
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 18, 2010 · Amount on Record
Deed Sale	Oct 18, 2010 · Amount on Record
Prior Sale	Oct 18, 2010 · Amount on Record
Deed Book / Page	1828 / 855
Last Transfer Date	Apr 03, 2015
Transfer Doc	0000013961
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 16, 2024
Property Address	301 DIVISION ST, SCHENECTADY, NY 12304-1109
Document Number	0000022177
Book / Page	2129 / 3
Map Reference	CAB B MAP 179
Instrument Date	Apr 02, 2024
Instrument	202422177
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 BOONE ST, YONKERS, NY 10704-2805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 DIVISION ST # 03, 3, SCHENECTADY, NY 12304-1109

Mortgage

Document Number	0000022194
Date	Apr 16, 2024
Instrument	202422194

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 03, 2054

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	$4,888.00 (+8.69%)	$76,300 (-) Land $11,400 Building $64,900	$126,345 (+13.35%) Land $18,877 Building $107,468
2024		$76,300 (-) Land $11,400 Building $64,900	$111,468 (+15.41%) Land $16,654 Building $94,814
2023		$76,300 (-) Land $11,400 Building $64,900	$96,582 (+3.8%) Land $14,430 Building $82,152
2022		$76,300 Land $11,400 Building $64,900	$93,049 Land $13,902 Building $79,147
2021	$4,497.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA.

Based on FCC filings for 924 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.