305 Craig St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 305 Craig St, Schenectady, NY 12307

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,554 sqft · built 1900
Lot Size	0.336 acres (14,648 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (Nov 2025)
Tax Bill	$4,396 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.33-4-7.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.33-4-7.1`
Alternative APN	`150004903300040070010000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,554 sqft Living Area
1st Floor Area	777 sqft
2nd Floor Area	777 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	14,648 sqft (0.336 acres)
Lot Dimensions	122 ft deep x 119 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	452 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	305 CRAIG ST
City	SCHENECTADY
State	NY
Zip	12307-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Block	4
Legal Lot Number	7.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1002
Census Tract	20900

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	12505 111TH AVE, SOUTH OZONE PARK, NY 11420-1509
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 14, 2022	Warranty Deed, Transfer
Apr 14, 2022	Warranty Deed, Transfer
Mar 5, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Prior Sale	Apr 14, 2022 · Amount on Record
Deed Document Number	202526108
Deed Book / Page	2160 / 261
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 5, 2025
Property Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420
Document Number	0000026108
Instrument Date	Jul 28, 2025
Instrument	202526108
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	SPA CITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420

Mortgage

Document Number	0000026109
Date	Nov 5, 2025
Instrument	202526109

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Aug 1, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 14, 2022
Property Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420
Document Number	0000019516
Book / Page	2082 / 795
Instrument Date	Apr 11, 2022
Instrument	202219516
Transaction Type	Transfer
Record Updated	Apr 28, 2022

Transaction

Amount	Amount Recorded
Tax	$324.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 CRAIG ST, 305, SCHENECTADY, NY 12307-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1749 VAN CORTLAND ST, SCHENECTADY, NY 12303-1539

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 14, 2022
Property Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420
Document Number	0000019518
Book / Page	2082 / 804
Instrument Date	Apr 11, 2022
Instrument	202219518
Transaction Type	Transfer
Record Updated	Mar 14, 2023

Transaction

Amount	Amount Recorded
Tax	$12.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1749 VAN CORTLAND ST, SCHENECTADY, NY 12303-1539

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	305 CRAIG ST, SCHENECTADY, NY 12307-1420
Document Number	0000010854
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 CRAIG ST SCHENECTADY NY 123071420, SCHENECTADY, NY 12307-1420

Mortgage

Document Number	0000010854
Date	Mar 13, 2019
Book Page	004899/000271
Instrument	10854

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 12, 2034

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	$4,396.00 (+2.47%)
2025	$4,290.00 (+25.77%)	$74,600 (-) Land $11,200 Building $63,400	$123,530 (+13.35%) Land $18,546 Building $104,984
2024		$74,600 (-) Land $11,200 Building $63,400	$108,985 (+15.41%) Land $16,362 Building $92,623
2023		$74,600 (-) Land $11,200 Building $63,400	$94,430 (+3.8%) Land $14,177 Building $80,253
2022		$74,600 Land $11,200 Building $63,400	$90,976 Land $13,659 Building $77,317
2021	$3,411.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

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 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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