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348 Clayton Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 348 Clayton Rd, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 864 sqft · built 1974
Lot Size0.137 acres (6,000 sqft)
OwnerIndividual Name on File
Last Sale$35,125 (Apr 2019)
Tax Bill$5,450 (2026)
Deeds & MortgagesFeb 2020 Mortgage
Apr 2019 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN421500 60.62-2-40

Property Details

APN / Parcel Number

Primary APN421500 60.62-2-40
Alternative APN
  • 150006006200020400000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area864 sqft Living Area
1st Floor Area864 sqft

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area6,000 sqft (0.137 acres)
Lot Dimensions150 ft deep x 40 ft wide

Exterior Amenities

PorchSlab
Porch Area56 sqft
Patio Area40 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address348 CLAYTON RD
CitySCHENECTADY
StateNY
Zip12304-3819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Description1 WOOD
Legal SubdivisionREVISED MAP OF WOODLAND
Legal Block2
Legal Lot Number40.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group4
Census Block4020
Census Tract21802

Owner

348 Clayton Rd is owned and occupied by an individual who bought it in April 2019.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of RecordIndividual Name on File
Mailing Address348 CLAYTON RD, SCHENECTADY, NY 12304-3819
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 27, 2020Deed of Trust, Mortgage · Conventional Mortgage
TRUSTCO BANK
Apr 19, 2019Grant Deed, Transfer
NORTHEAST TITLE AND ABSTRACT COMPANY, NORTHEAST TITLE & ABSTRACT CO
Feb 20, 2019Grant Deed, Foreclosure
SERVICELINK TITLE COMPANY DEFAULT T, SERVICELINK TITLE CO DEFAULT T
Feb 20, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 19, 2019 · Amount on File
Deed SaleApr 19, 2019 · Amount on File
Prior SaleFeb 20, 2019 · Amount on File
Deed Document Number201916964
Deed Book / Page2009 / 708
Prior Transfer DateJan 9, 2018
Prior Transfer Doc0000007653
Record UpdatedOct 29, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address348 CLAYTON RD, SCHENECTADY, NY 12304-3819
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyMARATHON TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000008330
DateFeb 27, 2020
Book Page4975/437
Instrument202008330
Lender
NameTRUSTCO BANK
TypeBank
AddressALBANY, NY 12205
Agreement
TypeConventional Mortgage
AmountAmount on Record
DueFeb 25, 2020

April 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateApr 19, 2019
Property Address348 CLAYTON RD, SCHENECTADY, NY 12304-3819
Document Number0000016964
Book / Page002009 / 000708
Instrument DateApr 10, 2019
Instrument16964
Transaction TypeTransfer
Record UpdatedMay 3, 2019
Title CompanyNORTHEAST TITLE AND ABSTRACT COMPANY, NORTHEAST TITLE & ABSTRACT CO

Transaction

AmountAmount on Record
Tax$140.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address348 CLAYTON RD SCHENECTADY NY 123043819, SCHENECTADY, NY 12304-3819

February 2019: Grant Deed, Foreclosure

Document TypeGrant Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 20, 2019
Property Address348 CLAYTON RD, SCHENECTADY, NY 12304-3819
Document Number0000007498
Book / Page002005 / 000940
Instrument DateMay 16, 2018
Instrument7498
Transaction TypeForeclosure
Record UpdatedMar 8, 2019
Title CompanySERVICELINK TITLE COMPANY DEFAULT T, SERVICELINK TITLE CO DEFAULT T

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
InvestorPossibly a Property Investor

February 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 20, 2018
Property Address348 CLAYTON RD, SCHENECTADY, NY 12304-3819
Document Number0000007653
Book / Page001981 / 000791
Instrument DateJan 9, 2018
Instrument7653
Transaction TypeForeclosure
Record UpdatedFeb 28, 2018

Transaction

AmountAmount on Record
Tax$195.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipAssociation
Address3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 348 Clayton Rd was $5,450, up 2.2% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,450.00 (+2.17%)
2025$5,334.00$107,000 Land $12,800 Building $94,200$177,182 Land $21,196 Building $155,986
2023$107,000 (-) Land $12,800 Building $94,200$135,443 (+3.8%) Land $16,203 Building $119,240
2022$107,000 Land $12,800 Building $94,200$130,488 Land $15,610 Building $114,878
2021$5,098.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 348 Clayton Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 348 Clayton Rd 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 RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 619 locations within half a mile, as of December 31, 2025

ProviderMax 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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