40 Elm St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 40 Elm St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,592 sqft · built 1913
Lot Size	0.108 acres (4,719 sqft)
Owner	Individual Name on Record
Last Sale	$86,500 (Jun 2011)
Tax Bill	$5,630 (2026)
Deeds & Mortgages	Mar 2019 Loan Modification Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-4-8`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-4-8`
Alternative APN	`150004905900040080000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,592 sqft Total Area
1st Floor Area	1,296 sqft
2nd Floor Area	1,296 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	434 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 ELM ST
City	SCHENECTADY
State	NY
Zip	12304-1202
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Subdivision	LOTS BELONGING TO ROBERT FURMAN & OTHERS
Legal Block	4
Legal Lot Number	8.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4005
Census Tract	20700

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 Record	Individual Name on Record
Mailing Address	57 BAYBERRY DR, HALFMOON, NY 12065-5532
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2019	Loan Modification, Mortgage · Conventional Mortgage SEFCU
Mar 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2011 · Amount on Record
Deed Sale	Jun 27, 2011 · Amount on Record
Prior Sale	Oct 20, 2010 · Amount on Record
Deed Document Number	201124705
Deed Book / Page	1839 / 998
Record Updated	Oct 29, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	40 ELM ST, SCHENECTADY, NY 12304-1202
Document Number	0000011048
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELM ST SCHENECTADY NY 123041202, SCHENECTADY, NY 12304-1202

Mortgage

Document Number	0000011048
Date	Mar 13, 2019
Book Page	004899/000531
Instrument	11048

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	40 ELM ST, SCHENECTADY, NY 12304-1202
Document Number	0000011047
Instrument Date	Mar 4, 2019
Transaction Type	Mortgage
Record Updated	Mar 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELM ST SCHENECTADY NY 123041202, SCHENECTADY, NY 12304-1202

Mortgage

Document Number	0000011047
Date	Mar 13, 2019
Book Page	004899/000516
Instrument	11047

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,630.00 (+3.55%)
2025	$5,437.00	$89,700 (-) Land $13,500 Building $76,200	$148,535 (+30.82%) Land $22,355 Building $126,180
2023		$89,700 Land $13,500 Building $76,200	$113,544 Land $17,089 Building $96,455

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

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 924 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

May also be available: T-Mobile.

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