Schenectady County and Schenectady City property record for 38 James St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,392 sqft · built 1910 |
| Lot Size | 0.084 acres (3,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $69,000 (Apr 2019) |
| Tax Bill | $4,718 (2026) |
| Deeds & Mortgages | Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-3-8 |
| Primary APN | 421500 49.68-3-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,675 sqft (0.084 acres) |
| Lot Dimensions | 105 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 214 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 38 JAMES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Subdivision | B M GREY AND M M GODDARD |
| Legal Block | 3 |
| Legal Lot Number | 8.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3004 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 38 JAMES ST, SCHENECTADY, NY 12304-1306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2019 · Amount on Record |
| Deed Sale | Apr 12, 2019 · Amount on Record |
| Prior Sale | Sep 1, 2000 · Amount on Record |
| Deed Document Number | 201915926 |
| Deed Book / Page | 2009 / 297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 12, 2019 |
| Property Address | 38 JAMES ST, SCHENECTADY, NY 12304-1306 |
| Document Number | 0000015926 |
| Book / Page | 2009 / 297 |
| Instrument Date | Mar 28, 2019 |
| Instrument | 201915926 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $276.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 38 JAMES ST, 38, SCHENECTADY, NY 12304-1306 |
| Name | Verified Name |
|---|---|
| Address | 71 ELM ST, SCHENECTADY, NY 12304-1201 |
| Document Number | 0000015927 |
|---|---|
| Date | Apr 12, 2019 |
| Instrument | 201915927 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
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 | $4,718.00 (+2.41%) | ||
| 2025 | $4,607.00 (+5.04%) | $90,400 (-) Land $13,600 Building $76,800 | $149,694 (+30.82%) Land $22,520 Building $127,174 |
| 2023 | $90,400 (-) Land $13,600 Building $76,800 | $114,430 (+3.8%) Land $17,215 Building $97,215 | |
| 2022 | $90,400 Land $13,600 Building $76,800 | $110,244 Land $16,585 Building $93,659 | |
| 2021 | $4,386.00 |
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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