32 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 32 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,348 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	Individual Name on Record
Last Sale	$12,500 (Nov 2003)
Tax Bill	$4,966 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-6`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-6`
Alternative APN	`150004905900030060000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,348 sqft Total Area
1st Floor Area	1,174 sqft
2nd Floor Area	1,174 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Porch	Slab
Porch Area	328 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
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	Individual Name on Record
Mailing Address	34 DIVISION ST, SCHENECTADY, NY 12304-1104
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Mar 24, 2021	Deed, Transfer
Feb 26, 2021	Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2003 · Amount on Record
Deed Sale	Nov 20, 2003 · Amount on Record
Deed Book / Page	1665 / 241
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	32 DIVISION ST, SCHENECTADY, NY 12304-1104
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 DIVISION ST, SCHENECTADY, NY 12304-1104

Mortgage

Document Number	0000026784
Date	Nov 13, 2025
Instrument	202526784

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 24, 2021
Property Address	32 DIVISION ST, SCHENECTADY, NY 12304-1104
Document Number	0000012649
Book / Page	2055 / 86
Instrument Date	Feb 25, 2021
Instrument	202112649
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$278.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	163 10TH ROAD, JAMAICA, NY 11433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 123RD AVENUE, JAMAICA, NY 11436

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 26, 2021
Property Address	32 DIVISION ST, SCHENECTADY, NY 12304-1104
Document Number	0000007627
Book / Page	2053 / 146
Instrument Date	Feb 18, 2021
Instrument	202107627
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	723 BOBBY CT, NISKAYUNA, NY 12309-3022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	863 EMMETT ST, SCHENECTADY, NY 12307-1437

Mortgage

Document Number	0000007628
Date	Feb 26, 2021
Instrument	202107628

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$4,966.00 (+3.93%)
2025	$4,778.00 (+8.91%)	$73,600 (-) Land $11,000 Building $62,600	$121,874 (+30.82%) Land $18,215 Building $103,659
2023		$73,600 (-) Land $11,000 Building $62,600	$93,165 (+3.8%) Land $13,924 Building $79,241
2022		$73,600 Land $11,000 Building $62,600	$89,756 Land $13,415 Building $76,341
2021	$4,387.00

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	None beyond 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 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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