Schenectady County and Schenectady City property record for 3280 Ralph St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,704 sqft · built 1960 |
| Lot Size | 0.192 acres (8,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $30,000 (Mar 2022) |
| Tax Bill | $6,052 (2026) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.63-2-25 |
| Primary APN | 421500 60.63-2-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 744 sqft |
| Finished Basement | 744 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood |
| Lot Area | 8,400 sqft (0.192 acres) |
| Lot Dimensions | 70 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3280 RALPH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4130 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD & GARAGE |
| Legal Subdivision | WOODLAWN |
| Legal Block | 2 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of September 23, 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 | 3280 RALPH ST, SCHENECTADY, NY 12304-4130 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2022 · Amount on Record |
| Deed Sale | Mar 14, 2022 · Amount on Record |
| Deed Document Number | 202213276 |
| Deed Book / Page | 2080 / 551 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3280 RALPH ST, SCHENECTADY, NY 12304-4130 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032059 |
|---|---|
| Date | Jul 18, 2017 |
| Book Page | 4773/780 |
| Instrument | 201732059 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 2903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 7, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $6,052.00 (+2.77%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $5,889.00 (+8.77%) | $154,300 (-) Land $23,100 Building $131,200 | $255,506 (+30.82%) Land $38,251 Building $217,255 |
| 2023 | $154,300 (-) Land $23,100 Building $131,200 | $195,316 (+3.8%) Land $29,240 Building $166,076 | |
| 2022 | $154,300 Land $23,100 Building $131,200 | $188,171 Land $28,171 Building $160,000 | |
| 2021 | $5,414.00 |
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
| 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.
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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