315 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 315 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	26,950 sqft · built 1942
Lot Size	0.371 acres (16,177 sqft)
Owner	Company Name on Record
Tax Bill	$90,138 (2026)
Deeds & Mortgages	Sep 2020 Loan Modification Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.72-1-2`

Property Details

APN / Parcel Number

Primary APN	`421500 39.72-1-2`
Alternative APN	`150003907200010020000000`

Interior

Stories	2 Stories
Building Area	26,950 sqft Gross Area
Basement Area	13,000 sqft
Elevator	Elevator

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1988
Lot Area	16,177 sqft (0.371 acres)
Lot Dimensions	234 ft deep x 68 ft wide

Utilities, Heating & Cooling

Cooling System	Partial
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	315 STATE ST
City	SCHENECTADY
State	NY
Zip	12305-2301
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	C 2 BRICK
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1017
Census Tract	33500

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	Company Name on Record
Mailing Address	PO BOX 1013, SCHENECTADY, NY 12301-1013
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Loan Modification, Mortgage BANK OF GREENE CNTY
Sep 24, 2020	Deed of Trust, Mortgage BANK OF GREENE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	315 STATE ST, SCHENECTADY, NY 12305-2301
Document Number	0000031995
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 830 LATHAM NY 121100830, LATHAM, NY 12110-0830

Mortgage

Document Number	0000031995
Date	Oct 15, 2020
Book Page	005030/000135
Instrument	31995

Lender

Name	BANK OF GREENE CNTY
Type	Bank
Address	341 MAIN ST, CATSKILL, NY 12414-1420

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	315 STATE ST, SCHENECTADY, NY 12305-2301
Document Number	0000031994
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 830 LATHAM NY 121100830, LATHAM, NY 12110-0830

Mortgage

Document Number	0000031994
Date	Oct 15, 2020
Book Page	005030/000121
Instrument	31994

Lender

Name	BANK OF GREENE CNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

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	$90,138.00 (+1.11%)
2025	$89,150.00 (+6.82%)	$2,021,300 (-) Land $80,900 Building $1,940,400	$3,347,077 (+30.82%) Land $133,963 Building $3,213,114
2023		$2,021,300 (-) Land $80,900 Building $1,940,400	$2,558,608 (+3.8%) Land $102,405 Building $2,456,203
2022		$2,021,300 Land $80,900 Building $1,940,400	$2,465,000 Land $98,659 Building $2,366,341
2021	$83,458.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 individual policies
Nearby Flood Policies	74 units insured incl. 30 condo units
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Irene, Aug 2011 · 5 claims Severe Storms And Flooding, Jun 2006 · 2 claims

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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