4 Elbert St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 4 Elbert St, Schenectady, NY 12304 · Last verified June 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,710 sqft · built 1925
Lot Size	0.117 acres (5,120 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Oct 2001)
Tax Bill	$4,841 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.76-3-16`

Property Details

APN / Parcel Number

Primary APN	`421500 49.76-3-16`
Alternative APN	`150004907600030160000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,710 sqft Total Area
1st Floor Area	855 sqft
2nd Floor Area	855 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,120 sqft (0.117 acres)
Lot Dimensions	160 ft deep x 32 ft wide
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 ELBERT ST
City	SCHENECTADY
State	NY
Zip	12304-2910
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2001
Census Tract	21700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.76-3-16

Assessment roll updated April 14, 2026 · Last verified June 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	4 ELBERT ST, SCHENECTADY, NY 12304-2910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 09, 2001 · Amount on Record
Deed Sale	Oct 09, 2001 · Amount on Record
Prior Sale	Jul 06, 2000 · Amount on Record
Deed Book / Page	1610 / 180
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	4 ELBERT ST, SCHENECTADY, NY 12304-2910
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ELBERT ST 2, 2, SCHENECTADY, NY 12304-2910

Mortgage

Document Number	0000025979
Date	Jun 03, 2021
Book Page	5106/374
Instrument	202125979

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	May 25, 2046

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified June 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	$4,841.00 (+13.16%)	$82,100 (-) Land $12,300 Building $69,800	$135,950 (+30.82%) Land $20,368 Building $115,582
2023		$82,100 (-) Land $12,300 Building $69,800	$103,924 (+3.8%) Land $15,570 Building $88,354
2022		$82,100 Land $12,300 Building $69,800	$100,122 Land $15,000 Building $85,122
2021	$4,278.00

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	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.