Schenectady County and Schenectady City property record for 3305 Ralph St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1960 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,000 (Jan 2020) |
| Tax Bill | $5,818 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage Sep 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.64-1-21 |
| Primary APN | 421500 60.64-1-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,200 sqft (0.234 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 256 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3305 RALPH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PT OF 641 1 WD & GARAGE |
| Legal Subdivision | MAP OF ROMANO MANOR GATEWAY CONSTRUCTION |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21802 |
3305 Ralph St is owned by an individual who bought it in January 2020.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 PROSPECT ST, JOHNSTOWN, NY 12095-2501 |
| Owner Type | Individual |
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 |
|---|---|
| Oct 31, 2019 | Deed of Trust, Mortgage · FHA Mortgage SEFCU MTG SVCS |
| Sep 26, 2019 | Deed in Lieu of Foreclosure, Foreclosure DENVER DIL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2020 · Amount on File |
| Deed Sale | Jan 23, 2020 · Amount on File |
| Prior Sale | Sep 26, 2019 · Amount on File |
| Deed Document Number | 20203016 |
| Deed Book / Page | 2029 / 55 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3305 RALPH ST, SCHENECTADY, NY 12304-4103 |
| Instrument Date | Oct 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | PARTNERS ABSTRACT CORPORATION NY, PARTNERS ABS CORP NY |
| Name | Verified Name |
|---|---|
| Address | 104 PROSPECT ST JOHNSTOWN NY 120952501, JOHNSTOWN, NY 12095-2501 |
| Document Number | 3017 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 004967/000959 |
| Instrument | 3017 |
| Name | SEFCU MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2050 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 26, 2019 |
| Property Address | 3305 RALPH ST, SCHENECTADY, NY 12304-4103 |
| Document Number | 0000043451 |
| Book / Page | 002020 / 000917 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 43451 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 15, 2019 |
| Title Company | DENVER DIL TITLE |
| Tax | $0.00 |
|---|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 300 DELAWARE AVE #9TH WILMINGTON DE 198011607, 9TH, WILMINGTON, DE 19801-1607 |
The 2026 property tax bill for 3305 Ralph St was $5,818, up 2.1% 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 | $5,818.00 (+2.07%) | ||
| 2025 | $5,700.00 | $114,800 Land $17,200 Building $97,600 | $190,098 Land $28,482 Building $161,616 |
| 2023 | $114,800 (-) Land $17,200 Building $97,600 | $145,316 (+3.8%) Land $21,772 Building $123,544 | |
| 2022 | $114,800 Land $17,200 Building $97,600 | $140,000 Land $20,976 Building $119,024 | |
| 2021 | $5,454.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3305 Ralph 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 3305 Ralph 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 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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