315 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 315 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,220 sqft · built 1910
Lot Size	0.13 acres (5,686 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,900 (Mar 2025)
Tax Bill	$6,393 (2026)
Deeds & Mortgages	Mar 2025 Sale & Mortgage May 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-2-51`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-51`
Alternative APN	`150004904400020510000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,220 sqft Total Area
1st Floor Area	1,110 sqft
2nd Floor Area	1,110 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
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	510 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	315 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1109
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	51.000
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, 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	19440 109TH RD, SAINT ALBANS, NY 11412-1612
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 22, 2024	Warranty Deed, Transfer · Construction Mortgage DOUBLE BACKFLIP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2025 · Amount on Record
Deed Sale	Mar 19, 2025 · Amount on Record
Prior Sale	Jul 1, 2024 · Amount on Record
Deed Document Number	20256568
Deed Book / Page	2145 / 994
Record Updated	Oct 29, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 19, 2025
Property Address	315 DIVISION ST, SCHENECTADY, NY 12304-1109
Document Number	0000006568
Instrument Date	Mar 19, 2025
Instrument	202506568
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	SPA CITY TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 OLD NISKAYUNA RD, LOUDONVILLE, NY 12211-1321

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19440 109TH RD, SAINT ALBANS, NY 11412-1612

Mortgage

Document Number	0000006569
Date	Mar 19, 2025
Instrument	202506569

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2055

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 22, 2024
Property Address	315 DIVISION ST, SCHENECTADY, NY 12304-1109
Document Number	0000030681
Book / Page	2131 / 730
Instrument Date	May 19, 2024
Instrument	202430681
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8072 16TH ST, WESTMINSTER, CA 92683-4563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 OLD NISKAYUNA RD, LOUDONVILLE, NY 12211-1321

Mortgage

Document Number	0000030682
Date	May 22, 2024
Book Page	5375/888
Instrument	202430682

Lender

Name	DOUBLE BACKFLIP LLC
Type	Mortgage Company
Address	ALBANY, NY 12211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$6,393.00 (-3.4%)
2025	$6,618.00 (+14.3%)	$108,200 (-) Land $16,200 Building $92,000	$179,169 (+30.82%) Land $26,826 Building $152,343
2023		$108,200 (-) Land $16,200 Building $92,000	$136,962 (+3.8%) Land $20,506 Building $116,456
2022		$108,200 Land $16,200 Building $92,000	$131,951 Land $19,756 Building $112,195
2021	$5,790.00

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

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	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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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