323 Schenectady St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 323 Schenectady St, Schenectady, NY 12307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 2015
Lot Size	0.166 acres (7,251 sqft)
Owner	Individual Name on Record
Tax Bill	$2,274 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.32-6-14.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.32-6-14.1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,251 sqft (0.166 acres)
Lot Dimensions	189 ft deep x 39 ft wide
Porch	Slab
Porch Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	323 SCHENECTADY ST
City	SCHENECTADY
State	NY
Zip	12307-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	6
Legal Lot Number	14.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2001
Census Tract	21002

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	323 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 7, 2021
Property Address	323 SCHENECTADY ST, SCHENECTADY, NY 12307-1316
Document Number	0000000719
Book / Page	2049 / 561
Instrument Date	Dec 21, 2020
Instrument	202100719
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	BROADWAY TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 N BROADWAY, 115, SCHENECTADY, NY 12305-1933

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 SCHENECTADY ST, SCHENECTADY, NY 12307-1316

Mortgage

Document Number	0000000720
Date	Jan 7, 2021
Instrument	202100720

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Mortgage

Document Number	0000000721
Date	Jan 7, 2021
Book Page	5057/310
Instrument	202100721

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

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
2025	$2,274.00 (+3.55%)	$70,000 (-) Land $10,000 Building $60,000	$115,913 (+30.82%) Land $16,559 Building $99,354
2023		$70,000 (-) Land $10,000 Building $60,000	$88,608 (+3.8%) Land $12,658 Building $75,950
2022		$70,000 Land $10,000 Building $60,000	$85,366 Land $12,195 Building $73,171
2021	$2,196.00

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	Direct burnable vegetation

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 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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