356 Twelfth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 356 Twelfth St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 728 sqft · built 1942
Lot Size	0.309 acres (13,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2023)
Tax Bill	$4,756 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.58-1-31`

Property Details

APN / Parcel Number

Primary APN	`421500 48.58-1-31`
Alternative APN	`150004805800010310000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	728 sqft Living Area
1st Floor Area	728 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	356 TWELFTH ST
City	SCHENECTADY
State	NY
Zip	12306-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	35 & 36 1 WOOD
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3011
Census Tract	21200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	356 TWELFTH ST, SCHENECTADY, NY 12306-3110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Oct 19, 2009 · Amount on Record
Deed Document Number	202353952
Deed Book / Page	2116 / 305
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 25, 2023
Property Address	356 TWELFTH ST, SCHENECTADY, NY 12306-3110
Document Number	0000053952
Book / Page	2116 / 305
Instrument Date	Aug 16, 2023
Instrument	202353952
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 65, SLOANSVILLE, NY 12160-0065

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	279 NEWKIRK AVE, BROOKLYN, NY 11230-1308

Mortgage

Document Number	0000053953
Date	Sep 25, 2023
Instrument	202353953

Lender

Name	BROADVIEW FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Max Rate	10.8%

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
2026	$4,756.00 (+2.37%)
2025	$4,646.00 (+233.52%)	$87,900 (-) Land $13,200 Building $74,700	$145,554 (+30.82%) Land $21,858 Building $123,696
2023		$87,900 (-) Land $13,200 Building $74,700	$111,266 (+3.8%) Land $16,709 Building $94,557
2022		$87,900 Land $13,200 Building $74,700	$107,195 Land $16,098 Building $91,097
2021	$1,393.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 95% of the US · lower than 94% 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 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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