Schenectady County and Schenectady City property record for 320 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,032 sqft · built 1965 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Oct 2016) |
| Tax Bill | $5,823 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.62-2-44 |
| Primary APN | 421500 60.62-2-44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Porch Area | 76 sqft |
| Patio Area | 408 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 320 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 17 1 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 44.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 320 CLAYTON RD, SCHENECTADY, NY 12304-3819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Mar 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2016 · Amount on Record |
| Deed Sale | Oct 7, 2016 · Amount on Record |
| Prior Sale | Oct 24, 2000 · Amount on Record |
| Deed Document Number | 201646193 |
| Deed Book / Page | 1947 / 336 |
| Prior Transfer Date | Aug 5, 2014 |
| Prior Transfer Doc | 0000041339 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 2, 2026 |
| Property Address | 320 CLAYTON RD, SCHENECTADY, NY 12304-3819 |
| Document Number | 0000021964 |
| Instrument Date | Sep 10, 2026 |
| Instrument | 202621964 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 320 CLAYTON RD, SCHENECTADY, NY 12304-3819 |
| Document Number | 0000021964, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 202621964 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 320 CLAYTON RD, SCHENECTADY, NY 12304-3819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 320 CLAYTON RD, SCHENECTADY, NY 12304-3819 |
| Document Number | 0000010115 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 5078/83 |
| Instrument | 202110115 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | RUSSELL, IA 50238 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | Oct 1, 2046 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,823.00 (+2.09%) | ||
| 2025 | $5,704.00 (+4.51%) | $114,900 (-) Land $17,200 Building $97,700 | $190,263 (+30.82%) Land $28,481 Building $161,782 |
| 2023 | $114,900 (-) Land $17,200 Building $97,700 | $145,443 (+3.8%) Land $21,772 Building $123,671 | |
| 2022 | $114,900 Land $17,200 Building $97,700 | $140,122 Land $20,976 Building $119,146 | |
| 2021 | $5,458.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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