319 Schenectady St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 319 Schenectady St, Schenectady, NY 12307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 2005
Lot Size	0.201 acres (8,789 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (Dec 2015)
Tax Bill	$4,064 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.33-1-1.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.33-1-1.1`
Alternative APN	`150004903300010010010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	8,789 sqft (0.201 acres)
Lot Dimensions	189 ft deep x 46.5 ft wide
Porch	Slab
Porch Area	64 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	319 SCHENECTADY ST
City	SCHENECTADY
State	NY
Zip	12307-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	1
Legal Lot Number	1.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2001
Census Tract	21002

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	Individual Name on Record
Mailing Address	319 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Jan 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Jan 17, 2020	Loan Modification, Mortgage · Conventional Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2015 · Amount on Record
Deed Sale	Dec 28, 2015 · Amount on Record
Prior Sale	Dec 2, 2015 · Amount on Record
Deed Document Number	201557085
Deed Book / Page	1928 / 383
Prior Transfer Date	Sep 1, 2011
Prior Transfer Doc	0000049212
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	319 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	IS319 SCHENECTADY ST, SCHENECTADY, NY 12307

Mortgage

Document Number	0000023180
Date	Apr 18, 2024
Book Page	5368/777
Instrument	202423180

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	319 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002353
Date	Jan 16, 2019
Book Page	4890/098
Instrument	201902353

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 15, 2039

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	319 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005075
Date	Feb 5, 2020
Book Page	4970/904
Instrument	202005075

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jan 15, 2040

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	319 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Document Number	0000005076
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 SCHENECTADY ST SCHENECTADY NY 123071316, SCHENECTADY, NY 12307-1316

Mortgage

Document Number	0000005076
Date	Feb 5, 2020
Book Page	004970/000921
Instrument	5076

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional 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	$4,064.00 (+4.13%) Homeowner's exemption
2025	$3,903.00 (+10.29%)	$83,600 (-) Land $12,500 Building $71,100	$138,434 (+30.82%) Land $20,699 Building $117,735
2023		$83,600 (-) Land $12,500 Building $71,100	$105,823 (+3.8%) Land $15,823 Building $90,000
2022		$83,600 Land $12,500 Building $71,100	$101,951 Land $15,244 Building $86,707
2021	$3,539.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 486 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

May also be available: Massivemesh Networks.

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