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4 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 4 Union St, Schenectady, NY 12305

Property Summary

Property TypeApartments (5+ Units)
Details6,645 sqft · built 1970
Lot Size0.106 acres (4,628 sqft)
OwnerCompany Name on Record
Last Sale$750,000 (Jul 2019)
Tax Bill$19,087 (2026)
Deeds & MortgagesJul 2019 Sale
Jul 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APN421500 39.63-3-2

Property Details

APN / Parcel Number

Primary APN421500 39.63-3-2
Alternative APN
  • 150003906300030020000000

Interior

Units12 Units
Stories3 Stories
Building Area6,645 sqft Gross Area
Basement Area2,360 sqft

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 2002
Lot Area4,628 sqft (0.106 acres)
Lot Dimensions89 ft deep x 52 ft wide

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4 UNION ST
CitySCHENECTADY
StateNY
Zip12305-1720
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code03 - MULTI
Legal Block3
Legal Lot Number2.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1022
Census Tract33500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Stockade Historic District
listed 1973 · 402 contributing resources · NRIS 73001267

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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 RecordCompany Name on Record
Mailing Address204 LAFAYETTE ST, SCHENECTADY, NY 12305-2406
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Jul 3, 2019Deed, Transfer
CHICAGO TITLE INSURANCE CO
Jul 3, 2019Loan Modification, Mortgage · Line of Credit
SUNMARK FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 3, 2019 · Amount on Record
Deed SaleJul 3, 2019 · Amount on Record
Prior SaleDec 3, 2012 · Amount on Record
Deed Document Number201930123
Deed Book / Page2014 / 716
Prior Transfer DateMay 19, 2006
Prior Transfer Doc0017370670
Record UpdatedOct 29, 2026

July 2019: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateJul 3, 2019
Property Address4 UNION ST, SCHENECTADY, NY 12305-1720
Document Number0000030123
Book / Page2014 / 716
Instrument DateJun 25, 2019
Instrument201930123
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
Tax$3,000.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1622 SUNNYBROOK LN, 1622, CLEARWATER, FL 33764-6455

Transferred To (Grantee/Buyer)

NameVerified Name
Address204 LAFAYETTE ST, SCHENECTADY, NY 12305-2406
InvestorPossibly a Property Investor

July 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSCHENECTADY NY
Recording DateJul 3, 2019
Property Address4 UNION ST, SCHENECTADY, NY 12305-1720
Book / Page004921 / 000853
Instrument DateJun 25, 2019
Instrument30158
Transaction TypeMortgage
Record UpdatedAug 1, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Partnership
Address204 LAFAYETTE ST #2 SCHENECTADY NY 123052416, 2, SCHENECTADY, NY 12305-2416
InvestorPossibly a Property Investor

Mortgage

Document Number0000030158
DateJul 3, 2019
Book Page004921/000853
Instrument30158
Lender
NameSUNMARK FCU
TypeCredit Union
Address1187 TROY SCHENECTADY RD, LATHAM, NY 12110-1086
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJul 2, 2029
Interest
Rate TypeAdjustable Rate
Rate5.4%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$19,087.00 (+0.76%)
2025$18,943.00 (+1.39%)$453,600 (-) Land $16,200 Building $437,400$751,118 (+30.82%) Land $26,826 Building $724,292
2023$453,600 (-) Land $16,200 Building $437,400$574,177 (+3.8%) Land $20,506 Building $553,671
2022$453,600 Land $16,200 Building $437,400$553,171 Land $19,756 Building $533,415
2021$18,684.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 44 individual policies
Nearby Flood Policies74 units insured
incl. 30 condo units
Nearby Flood Claims11 (1996–2026)
Claims Outside the SFHA5 of 11
Most Recent ClaimMar 2026 · rainfall accumulation
Claims by Event
  • Hurricane Irene, Aug 2011 · 5 claims
  • Severe Storms And Flooding, Jun 2006 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025

ProviderMax 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

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