Schenectady County and Schenectady City property record for 305 Linden St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1920 |
| Lot Size | 0.204 acres (8,910 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Nov 2016) |
| Tax Bill | $4,867 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.52-3-35 |
| Primary APN | 421500 49.52-3-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 516 sqft |
| 2nd Floor Area | 516 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,910 sqft (0.204 acres) |
| Lot Dimensions | 135 ft deep x 66 ft wide |
| Porch | Slab |
| Porch Area | 390 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 305 LINDEN ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 31 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 20700 |
305 Linden St is owned and occupied by two individuals who bought it in November 2016.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 LINDEN ST, SCHENECTADY, NY 12304-1230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOUSING TR FUND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2016 · Amount on File |
| Deed Sale | Nov 9, 2016 · Amount on File |
| Prior Sale | Jan 22, 2015 · Amount on File |
| Deed Document Number | 201652058 |
| Deed Book / Page | 1949 / 598 |
| Prior Transfer Date | Apr 23, 2010 |
| Prior Transfer Doc | 1819000981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 21, 2026 |
| Property Address | 305 LINDEN ST, SCHENECTADY, NY 12304-1230 |
| Document Number | 0000016353 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202616353 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 305 LINDEN ST, SCHENECTADY, NY 12304-1230 |
| Document Number | 0000016353, |
|---|---|
| Date | Jul 21, 2026 |
| Instrument | 202616353 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jun 24, 2051 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 305 LINDEN ST, SCHENECTADY, NY 12304-1230 |
| Document Number | 0000018080 |
| Instrument Date | Feb 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 305 LINDEN ST SCHENECTADY NY 123041230, SCHENECTADY, NY 12304-1230 |
| Document Number | 0000018080 |
|---|---|
| Date | Apr 26, 2019 |
| Book Page | 004907/000691 |
| Instrument | 18080 |
| Name | HOUSING TR FUND |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 305 Linden St was $4,867, up 2.3% from the year before.
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 | $4,867.00 (+2.31%) | ||
| 2025 | $4,757.00 | $88,300 Land $10,800 Building $77,500 | $146,216 Land $17,884 Building $128,332 |
| 2023 | $72,200 (-) Land $10,800 Building $61,400 | $91,392 (+3.8%) Land $13,671 Building $77,721 | |
| 2022 | $72,200 Land $10,800 Building $61,400 | $88,049 Land $13,171 Building $74,878 | |
| 2021 | $3,727.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Linden St in Zone X, an area of minimal flood risk.
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.
The area around 305 Linden St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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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