313 Harlem St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 313 Harlem St, Schenectady, NY 12306

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,330 sqft · built 1955
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,900 (Aug 2020)
Tax Bill	$8,556 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.78-2-19`

Property Details

APN / Parcel Number

Primary APN	`421500 49.78-2-19`
Alternative APN	`150004907800020190000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,330 sqft Total Area
1st Floor Area	1,112 sqft
Upper Floors Area	1,218 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Patio Area	224 sqft
Shed	1 Shed
Canopy	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 HARLEM ST
City	SCHENECTADY
State	NY
Zip	12306
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	318 319 32O 321 322 1XWOOD AND GARAGE
Legal Block	2
Legal Lot Number	19.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1014
Census Tract	33200

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	2 Individual Names on Record
Mailing Address	313 HARLEM ST, SCHENECTADY, NY 12306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	202022596
Deed Book / Page	2039 / 113
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 5, 2020
Property Address	313 HARLEM ST, SCHENECTADY, NY 12306
Document Number	0000022596
Book / Page	2039 / 113
Map Reference	CAB B MAP 214&215
Instrument Date	Jul 28, 2020
Instrument	202022596
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	MURDOCK ABSTRACT CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 HARLEM ST, 1426, SCHENECTADY, NY 12306-5114

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	804 STANLEY ST, SCHENECTADY, NY 12307-1411

Mortgage

Document Number	0000022597
Date	Aug 5, 2020
Instrument	202022597

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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	$8,556.00 (+2.57%)
2025	$8,342.00 (+3.09%)	$157,200 (-) Land $23,600 Building $133,600	$260,308 (+30.82%) Land $39,079 Building $221,229
2023		$157,200 (-) Land $23,600 Building $133,600	$198,987 (+3.8%) Land $29,873 Building $169,114
2022		$157,200 Land $23,600 Building $133,600	$191,707 Land $28,780 Building $162,927
2021	$8,092.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Greenlight Networks.

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