Schenectady County and Schenectady City property record for 314 Division St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,708 sqft · built 1910 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Company Name on Record |
| Last Sale | $26,250 (May 2009) |
| Tax Bill | $3,944 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-64.1 |
| Primary APN | 421500 49.44-2-64.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 860 sqft |
| 2nd Floor Area | 848 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 107 ft deep x 48.7 ft wide |
| Garage Type | Detached |
| Garage Area | 224 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 152 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 314 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | MAP OF LOTS BELONGING TO JOSEPH K CRAFT |
| Legal Block | 2 |
| Legal Lot Number | 64.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 20700 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 205 CENTRAL AVE, SCHENECTADY, NY 12304-4701 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2009 · Amount on Record |
| Deed Sale | May 18, 2009 · Amount on Record |
| Prior Sale | Aug 18, 2008 |
| Deed Document Number | 200919294 |
| Deed Book / Page | 1801 / 362 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 314 DIVISION ST, SCHENECTADY, NY 12304-1110 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 205 CENTRAL AVE, SCHENECTADY, NY 12304-4701 |
| Document Number | 0000029557 |
|---|---|
| Date | Jun 3, 2022 |
| Book Page | 5231/825 |
| Instrument | 202229557 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
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 | $3,944.00 (+2.65%) | ||
| 2025 | $3,842.00 | $64,800 (-) Land $14,100 Building $50,700 | $107,303 (+30.82%) Land $23,348 Building $83,955 |
| 2023 | $64,800 (-) Land $14,100 Building $50,700 | $82,025 (+3.8%) Land $17,848 Building $64,177 | |
| 2022 | $64,800 Land $14,100 Building $50,700 | $79,024 Land $17,195 Building $61,829 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 637 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 |
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