Schenectady County and Schenectady City property record for 321 Twelfth St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,660 sqft · built 1935 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Company Name on File |
| Last Sale | $72,000 (Oct 2015) |
| Tax Bill | $6,791 (2026) |
| Deeds & Mortgages | Nov 2023 Transfer Aug 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-2-41 |
| Primary APN | 421500 48.58-2-41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,660 sqft Total Area |
| 1st Floor Area | 1,135 sqft |
| Upper Floors Area | 525 sqft |
| Attic | Attic |
| Attic Area | 525 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 150 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 308 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 321 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3109 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | PTS 49 646 647 648 1X WOOD |
| Legal Block | 2 |
| Legal Lot Number | 41.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21200 |
321 Twelfth St, a duplex, is owned by a company that acquired it in August 2017.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2975 RIVER RD, SCHENECTADY, NY 12309-1322 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Nov 14, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 30, 2019 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Aug 14, 2017 | Executor's Deed, Transfer · Conventional Mortgage SEFCU MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2015 · Amount on File |
| Deed Sale | Oct 13, 2015 · Amount on File |
| Prior Sale | Oct 13, 2015 · Amount on File |
| Deed Book / Page | 1923 / 866 |
| Last Transfer Date | Aug 9, 2017 |
| Transfer Doc | 0000036411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 14, 2023 |
| Property Address | 321 TWELFTH ST, SCHENECTADY, NY 12306-3109 |
| Document Number | 0000064080 |
| Book / Page | 2119 / 540 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 202364080 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2975 RIVER RD, NISKAYUNA, NY 12309-1322 |
| Name | Verified Name |
|---|---|
| Address | 2975 RIVER RD, NISKAYUNA, NY 12309-1322 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 321 TWELFTH ST, SCHENECTADY, NY 12306-3109 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000038970 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 4934/929 |
| Instrument | 201938970 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 143 Months |
| Due | Jul 29, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 14, 2017 |
| Property Address | 321 TWELFTH ST, SCHENECTADY, NY 12306-3109 |
| Document Number | 0000036411 |
| Book / Page | 1969 / 048 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 201736411 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2975 RIVER RD, 2975, NISKAYUNA, NY 12309-1322 |
| Name | Verified Name |
|---|---|
| Address | 2975 RIVER RD, NISKAYUNA, NY 12309-1322 |
| Document Number | 0000036412 |
|---|---|
| Date | Aug 14, 2017 |
| Book Page | 4780/643 |
| Instrument | 201736412 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
The 2026 property tax bill for 321 Twelfth St was $6,791, up 3.1% 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 | $6,791.00 (+3.05%) | ||
| 2025 | $6,590.00 | $116,700 Land $17,500 Building $99,200 | $193,244 Land $28,978 Building $164,266 |
| 2023 | $116,700 (-) Land $17,500 Building $99,200 | $147,722 (+3.8%) Land $22,152 Building $125,570 | |
| 2022 | $116,700 Land $17,500 Building $99,200 | $142,317 Land $21,341 Building $120,976 | |
| 2021 | $6,174.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 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.
The area around 321 Twelfth St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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