Schenectady County and Niskayuna Town property record for 3809 State St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,532 sqft · built 1910 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Aug 2018) |
| Tax Bill | $7,604 (2026) |
| Deeds & Mortgages | Feb 2022 Line of Credit Dec 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.19-2-44 |
| Primary APN | 422400 60.19-2-44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,532 sqft Living Area |
| 1st Floor Area | 2,280 sqft |
| 2nd Floor Area | 1,252 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 187 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3809 STATE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4274 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CH |
| Legal Subdivision | LOCUST PARK |
| Legal Block | 2 |
| Legal Lot Number | 44.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 31902 |
3809 State St is owned and occupied by two individuals who acquired it in May 2020.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Dec 19, 2019 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| May 29, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| May 6, 2020 | Loan Modification, Mortgage CAPITAL COMMUNICATIONS FCU |
| Aug 9, 2018 | Grant Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on File |
| Deed Sale | Aug 9, 2018 · Amount on File |
| Prior Sale | Dec 13, 2005 · Amount on File |
| Deed Document Number | 201835312 |
| Deed Book / Page | 1993 / 331 |
| Last Transfer Date | May 6, 2020 |
| Transfer Doc | 0000015433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000008539 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 5202/65 |
| Instrument | 202208539 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000056243 |
|---|---|
| Date | Dec 19, 2019 |
| Book Page | 4961/274 |
| Instrument | 201956243 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 11, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 29, 2020 |
| Property Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000015433 |
| Book / Page | 2035 / 676 |
| Instrument Date | May 6, 2020 |
| Instrument | 202015433 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000015435 |
|---|---|
| Date | May 29, 2020 |
| Instrument | 202015435 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
| Document Number | 0000015434 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 4992/392 |
| Instrument | 202015434 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Jun 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000015435 |
| Instrument Date | May 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3809 STATE ST SCHENECTADY NY 123044274, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000015435 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 004992/000411 |
| Instrument | 15435 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Address | ALBANY, NY 12205 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 9, 2018 |
| Property Address | 3809 STATE ST, SCHENECTADY, NY 12304-4274 |
| Document Number | 0000035312 |
| Book / Page | 001993 / 000331 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 35312 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 SQUIRE RD SCHENECTADY NY 123044805, SCHENECTADY, NY 12304-4805 |
The 2026 property tax bill for 3809 State St was $7,604, up 2.8% from the year before.
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,604.00 (+2.78%) | ||
| 2025 | $7,398.00 | $210,000 Land $35,400 Building $174,600 | $311,100 Land $52,443 Building $258,657 |
| 2023 | $210,000 Land $35,400 Building $174,600 | $265,800 Land $44,806 Building $220,994 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3809 State St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3809 State St 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 Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 238 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures