38 Elder St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 38 Elder St, Schenectady, NY 12304 · Last verified April 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	6 Beds
Bathrooms	2 Baths
Architecture Style	Traditional
Year Built	Built 1900
Square Footage	2,200 sqft Total Area
Lot Size	3,400 sqft (0.078 acres)
Last Sale	$110,000 (2019)
Tax Bill	$4,712.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 49.60-2-8`
Alternative APN	`150004906000020080000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Building Area	2,200 sqft Total Area
1st Floor	1,100 sqft 1st Floor
2nd Floor	1,100 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	3,400 sqft (0.078 acres)
Depth X Width	100 ft x 34 ft Depth x Width
Porch Area	399 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	38 ELDER ST
City	SCHENECTADY
State	NY
Zip	12304-1218
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Subdivision	J WILLIAM CHENEY
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	SCHENECTADY NY
Minor Civil Division	SCHENECTADY
Census Blockgroup	2
Census Block	2004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.60-2-8

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	38 ELDER ST, 40, SCHENECTADY, NY 12304-1218
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2019 · Amount on Record
Deed Sale	Feb 20, 2019 · Amount on Record
Deed Doc Number	20197513
Deed Book / Page	2005 / 947
Prior Transfer Date	Jan 24, 2005
Prior Transfer Doc	0016970674
Record Refreshed	Jun 08, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 20, 2019
Property Address	38 ELDER ST, SCHENECTADY, NY 12304-1218
Document Number	0000007513
Book / Page	2005 / 947
Instrument Date	Feb 15, 2019
Instrument	201907513
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 ELDER ST # 40, 38, SCHENECTADY, NY 12304-1218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1134 10TH AVE, SCHENECTADY, NY 12303-1920

Mortgage

Document Number	0000007514
Date	Feb 20, 2019
Instrument	201907514

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,712.00 (+9.02%)	$72,000 (-) Land $9,800 Building $62,200	$119,225 (+30.82%) Land $16,228 Building $102,997
2023		$72,000 (-) Land $9,800 Building $62,200	$91,139 (+3.8%) Land $12,405 Building $78,734
2022		$72,000 Land $9,800 Building $62,200	$87,805 Land $11,951 Building $75,854
2021	$4,322.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.