309 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 309 Division St, Schenectady, NY 12304 · Last verified June 2026

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,232 sqft · built 1910
Lot Size	0.13 acres (5,686 sqft)
Owner	Company Name on File
Last Sale	$275,000 (Mar 2026)
Tax Bill	$5,600 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Feb 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-2-52`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-52`
Alternative APN	`150004904400020520000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,232 sqft Total Area
1st Floor Area	1,116 sqft
2nd Floor Area	1,116 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,686 sqft (0.13 acres)
Lot Dimensions	175 ft deep x 32.4 ft wide
Porch	Slab
Porch Area	650 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	2
Legal Lot Number	52.000
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 49.44-2-52

Assessment roll updated April 14, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	636 MACDONALD AVE, BELLPORT, NY 11713-1649
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 02, 2026	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Feb 02, 2026	Deed of Trust, Mortgage · Construction Mortgage KIAVI FUNDING INC
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
Feb 02, 2026	Warranty Deed, Transfer · Construction Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2026 · Amount on Record
Deed Sale	Mar 10, 2026 · Amount on Record
Prior Sale	Feb 02, 2026 · Amount on Record
Deed Document Number	20264916
Deed Book / Page	2167 / 757
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	309 DIVISION ST, SCHENECTADY, NY 12304-1109
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 PONDFIELD RD 367, 367, BRONXVILLE, NY 10708-7619

Mortgage

Document Number	0000002333
Date	Feb 02, 2026
Instrument	202602333

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	309 DIVISION ST, SCHENECTADY, NY 12304-1109
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 PONDFIELD RD 367, 367, BRONXVILLE, NY 10708-7619

Mortgage

Document Number	0000002332
Date	Feb 02, 2026
Instrument	202602332

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 10, 2026
Property Address	309 DIVISION ST, SCHENECTADY, NY 12304-1109
Document Number	0000004916
Instrument Date	Feb 18, 2026
Instrument	202604916
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 367, BRONXVILLE, NY 10708-0367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 MACDONALD AVE, BELLPORT, NY 11713-1649

Mortgage

Document Number	0000004917
Date	Mar 10, 2026
Instrument	202604917

Lender

Name	INVESTOR MORTGAGE FINANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2056

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 02, 2026
Property Address	309 DIVISION ST, SCHENECTADY, NY 12304-1109
Document Number	0000002331
Instrument Date	Mar 14, 2025
Instrument	202602331
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 SAND CREEK RD, ALBANY, NY 12205-2435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 367, BRONXVILLE, NY 10708-0367

Mortgage

Document Number	0000002332
Date	Feb 02, 2026
Instrument	202602332

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	PITTSBURGH, PA 15212

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified June 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,600.00 (+8.28%)	$89,100 (-) Land $13,400 Building $75,700	$147,541 (+13.35%) Land $22,189 Building $125,352
2024		$89,100 (-) Land $13,400 Building $75,700	$130,168 (+15.41%) Land $19,576 Building $110,592
2023		$89,100 (-) Land $13,400 Building $75,700	$112,785 (+3.8%) Land $16,962 Building $95,823
2022		$89,100 Land $13,400 Building $75,700	$108,659 Land $16,342 Building $92,317
2021	$5,172.00

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	Low above 1% of the US · above 1% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 924 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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