Schenectady County and Schenectady City property record for 320 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,364 sqft · built 1920 |
| Lot Size | 0.309 acres (13,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Feb 2026) |
| Tax Bill | $6,385 (2026) |
| Deeds & Mortgages | Feb 2026 Sale Nov 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-1-38 |
| Primary APN | 421500 48.58-1-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,364 sqft Living Area |
| 1st Floor Area | 792 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,500 sqft (0.309 acres) |
| Lot Dimensions | 150 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 320 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 38.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
320 Twelfth St is owned by two individuals who bought it in February 2026.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 334 TWELFTH ST, SCHENECTADY, NY 12306-3110 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2026 | Deed, Transfer STEWART TITLE, STEWART TITLE GUARANTY CO |
| Nov 7, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 25, 2026 · Amount on File |
| Deed Sale | Feb 25, 2026 · Amount on File |
| Deed Document Number | 20263959 |
| Deed Book / Page | 2166 / 940 |
| Prior Transfer Date | Oct 30, 2019 |
| Prior Transfer Doc | 0000050735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 25, 2026 |
| Property Address | 320 TWELFTH ST, SCHENECTADY, NY 12306-3110 |
| Document Number | 0000003959 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 202603959 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount on Record |
|---|---|
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 320 ELEVENTH ST, SCHENECTADY, NY 12306-3102 |
| Name | Verified Name |
|---|---|
| Address | 334 TWELFTH ST, SCHENECTADY, NY 12306-3110 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 7, 2019 |
| Property Address | 320 TWELFTH ST, SCHENECTADY, NY 12306-3110 |
| Document Number | 0000050735 |
| Book / Page | 002023 / 000774 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 50735 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 807 CAMBRIDGE MANOR DR SCOTIA NY 123022453, SCOTIA, NY 12302-2453 |
The 2026 property tax bill for 320 Twelfth St was $6,385, up 1.9% from the year before.
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 | $6,385.00 (+1.95%) | ||
| 2025 | $6,263.00 | $127,400 Land $19,100 Building $108,300 | $210,962 Land $31,628 Building $179,334 |
| 2023 | $127,400 (-) Land $19,100 Building $108,300 | $161,266 (+3.8%) Land $24,177 Building $137,089 | |
| 2022 | $127,400 Land $19,100 Building $108,300 | $155,366 Land $23,293 Building $132,073 | |
| 2021 | $6,004.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Twelfth St in Zone X, an area of minimal flood risk.
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 risk around 320 Twelfth St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% 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.
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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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 |
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