302 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 302 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,322 sqft · built 1910
Lot Size	0.07 acres (3,076 sqft)
Owner	Individual Name on Record
Last Sale	$500 (Aug 2016)
Tax Bill	$3,365 (2026)
Deeds & Mortgages	May 2024 Transfer Dec 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-2-61`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-61`
Alternative APN	`150004904400020610000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,322 sqft Living Area
1st Floor Area	706 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Composition/Composite
Lot Area	3,076 sqft (0.07 acres)
Lot Dimensions	95.1 ft deep x 32.4 ft wide
Porch	Slab
Porch Area	188 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	302 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	2
Legal Lot Number	61.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5005
Census Tract	20700

Owner

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	302 DIVISION ST, SCHENECTADY, NY 12304-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2024	Intrafamily Transfer, Transfer
Dec 18, 2020	Loan Modification, Mortgage · Conventional Mortgage CITY OF SCHENECTADY
Jan 27, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 27, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2016 · Amount on Record
Deed Sale	Aug 1, 2016 · Amount on Record
Prior Sale	Mar 21, 2016 · Amount on Record
Deed Document Number	201634171
Deed Book / Page	1942 / 779
Last Transfer Date	Jan 29, 2024
Transfer Doc	0000029317
Record Updated	Oct 29, 2026

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	May 15, 2024
Property Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110
Document Number	0000029317
Book / Page	2131 / 259
Instrument Date	Jan 29, 2024
Instrument	202429317
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110
Document Number	0000003691
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1522 UNION ST SCHENECTADY NY 123096004, SCHENECTADY, NY 12309-6004

Mortgage

Document Number	0000003691
Date	Jan 27, 2021
Book Page	005064/000152
Instrument	3691

Lender

Name	CITY OF SCHENECTADY
Address	105 JAY ST, SCHENECTADY, NY 12305-1905

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 27, 2021
Property Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110
Document Number	0000003688
Book / Page	002050 / 000964
Instrument Date	Dec 18, 2020
Instrument	3688
Transaction Type	Transfer
Record Updated	Mar 22, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	302 DIVISION ST SCHENECTADY NY 123041110, SCHENECTADY, NY 12304-1110

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 27, 2021
Property Address	302 DIVISION ST, SCHENECTADY, NY 12304-1110
Document Number	0000003690
Book / Page	002050 / 000970
Instrument Date	Dec 18, 2020
Instrument	3690
Transaction Type	Transfer
Record Updated	Mar 23, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$72.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1522 UNION ST SCHENECTADY NY 123096004, SCHENECTADY, NY 12309-6004

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,365.00 (+1.54%)
2025	$3,314.00 (+83.2%)	$57,600 (-) Land $8,600 Building $49,000	$95,380 (+30.82%) Land $14,241 Building $81,139
2023		$57,600 (-) Land $8,600 Building $49,000	$72,911 (+3.8%) Land $10,886 Building $62,025
2022		$57,600 Land $8,600 Building $49,000	$70,244 Land $10,488 Building $59,756
2021	$1,809.00

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

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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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