Schenectady County and Schenectady City property record for 32 Front St, Schenectady, NY 12305
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,054 sqft · built 1820 |
| Lot Size | 0.239 acres (10,428 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Jul 2007) |
| Tax Bill | $4,555 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.63-1-12 |
| Primary APN | 421500 39.63-1-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,054 sqft Living Area |
| 1st Floor Area | 1,514 sqft |
| 2nd Floor Area | 1,526 sqft |
| Year Built | Built 1820 |
|---|---|
| Effective Year Built | Effective 1820 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,428 sqft (0.239 acres) |
| Lot Dimensions | 215 ft deep x 48.5 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 12 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 32 FRONT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 BRICK FRONT |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 33500 |
Source: Schenectady County and Schenectady City records · APN 421500 39.63-1-12
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jun 08, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 11, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jun 24, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 13, 2007 · Amount on Record |
| Deed Sale | Jul 13, 2007 · Amount on Record |
| Deed Book / Page | 1763 / 462 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2023 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUICKSILVA TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Document Number | 0000010640 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | 5290/879 |
| Instrument | 202310640 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Index | Other |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Document Number | 0000030342 |
|---|---|
| Date | Jun 08, 2022 |
| Book Page | 5232/848 |
| Instrument | 202230342 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 24, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Document Number | 0000001811 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 5189/298 |
| Instrument | 202201811 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Dec 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Transaction Type | Mortgage |
| Record Updated | Jul 07, 2021 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 32 FRONT ST, SCHENECTADY, NY 12305-1302 |
| Document Number | 0000029776 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 5113/669 |
| Instrument | 202129776 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 11, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,555.00 (+10.4%) | $90,300 (-) Land $13,500 Building $76,800 | $149,528 (+30.82%) Land $22,355 Building $127,173 |
| 2023 | $90,300 (-) Land $13,500 Building $76,800 | $114,304 (+3.8%) Land $17,089 Building $97,215 | |
| 2022 | $90,300 Land $13,500 Building $76,800 | $110,122 Land $16,463 Building $93,659 | |
| 2021 | $4,126.00 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Redburn Infrastructure.
Based on FCC filings for 554 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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