Schenectady County and Schenectady City property record for 39 James St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,260 sqft · built 1910 |
| Lot Size | 0.078 acres (3,430 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $186,000 (Sep 2024) |
| Tax Bill | $4,278 (2025) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-2-37 |
| Primary APN | 421500 49.68-2-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 588 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 3,430 sqft (0.078 acres) |
| Lot Dimensions | 98 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 256 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 39 JAMES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 37.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records, as of April 14, 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 Record |
|---|---|
| Mailing Address | 28 RAY ST, SCHENECTADY, NY 12309-5918 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2024 · Amount on Record |
| Deed Sale | Sep 23, 2024 · Amount on Record |
| Prior Sale | May 30, 2000 · Amount on Record |
| Deed Document Number | 202456308 |
| Deed Book / Page | 2138 / 265 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 23, 2024 |
| Property Address | 39 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000056308 |
| Book / Page | 2138 / 265 |
| Instrument Date | Sep 3, 2024 |
| Instrument | 202456308 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | MG TITLE SERVICES, 3G TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $744.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Name | Verified Name |
|---|---|
| Address | 28 RAY ST, SCHENECTADY, NY 12309-5918 |
| Document Number | 0000056309 |
|---|---|
| Date | Sep 23, 2024 |
| Instrument | 202456309 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
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 |
|---|---|---|---|
| 2025 | $4,278.00 (+9.22%) | $93,900 (-) Land $14,100 Building $79,800 | $155,489 (+30.82%) Land $23,348 Building $132,141 |
| 2023 | $93,900 (-) Land $14,100 Building $79,800 | $118,861 (+3.8%) Land $17,848 Building $101,013 | |
| 2022 | $93,900 Land $14,100 Building $79,800 | $114,512 Land $17,195 Building $97,317 | |
| 2021 | $3,917.00 |
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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