Schenectady County and Schenectady City property record for 34 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,524 sqft · built 1905 |
| Lot Size | 0.062 acres (2,720 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,978 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-5-32 |
| Primary APN | 421500 49.76-5-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,524 sqft Living Area |
| 1st Floor Area | 834 sqft |
| 2nd Floor Area | 690 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,720 sqft (0.062 acres) |
| Lot Dimensions | 68 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 34 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 5 |
| Legal Lot Number | 32.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 34 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage MLB RESIDENTIAL LENDING LLC |
| Feb 13, 2018 | Deed, Transfer · Conventional Mortgage SUNMARK FCU |
| Mar 21, 2016 | Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 |
| Deed Sale | Feb 28, 2022 |
| Prior Sale | Feb 13, 2018 · Amount on Record |
| Deed Document Number | 202210340 |
| Deed Book / Page | 2079 / 551 |
| Prior Transfer Date | Feb 1, 2022 |
| Prior Transfer Doc | 0000010340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 28, 2022 |
| Property Address | 34 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000010340 |
| Book / Page | 2079 / 551 |
| Instrument Date | Feb 1, 2022 |
| Instrument | 202210340 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | TRUE TITLE SERVICES LLC, ATRIUM TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 34 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000010341 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 202210341 |
| Name | MLB RESIDENTIAL LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 13, 2018 |
| Property Address | 34 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000006649 |
| Book / Page | 1981 / 500 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 201806649 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $434.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34 SPRUCE ST, 34, SCHENECTADY, NY 12304-1403 |
| Name | Verified Name |
|---|---|
| Address | 19 LOCKROW BLVD, COLONIE, NY 12205-5243 |
| Document Number | 0000006652 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 4818/953 |
| Instrument | 201806652 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 34 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000009415 |
| Instrument Date | Mar 21, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 34 SPRUCE ST SCHENECTADY NY 123041403, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000009415 |
|---|---|
| Date | Mar 2, 2018 |
| Book Page | 004822/000406 |
| Instrument | 9415 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | GLEN ALLEN, VA 23059 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2033 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | $5,978.00 (+2.01%) | ||
| 2025 | $5,860.00 (+4.96%) | $114,100 (-) Land $17,100 Building $97,000 | $188,939 (+30.82%) Land $28,316 Building $160,623 |
| 2023 | $114,100 (-) Land $17,100 Building $97,000 | $144,430 (+3.8%) Land $21,646 Building $122,784 | |
| 2022 | $114,100 Land $17,100 Building $97,000 | $139,146 Land $20,854 Building $118,292 | |
| 2021 | $5,583.00 |
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 | 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 639 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 |
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