Schenectady County and Schenectady City property record for 402 Division St, Schenectady, NY 12304 · Last verified July 2026
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,472 sqft · built 1920 |
| Lot Size | 0.101 acres (4,429 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,985 (2025) |
| Deeds & Mortgages | Oct 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-72 |
| Primary APN | 421500 49.44-2-72 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,472 sqft Total Area |
| 1st Floor Area | 1,236 sqft |
| 2nd Floor Area | 1,236 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,429 sqft (0.101 acres) |
| Lot Dimensions | 134 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 252 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 402 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1112 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2 STUCCO AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 72.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records · APN 421500 49.44-2-72
Assessment roll updated April 14, 2026 · Last verified July 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 | 402 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 2005 |
| Deed Sale | Jan 11, 2005 |
| Prior Sale | Jul 12, 2002 · Amount on Record |
| Deed Book / Page | 1696 / 827 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 402 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000001482 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2021 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 402-404 DIVISION ST SCHENECTADY NY 123041112, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000001482 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 005059/000112 |
| Instrument | 1482 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 12, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
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 | $4,985.00 (+12.02%) | $90,200 (-) Land $13,500 Building $76,700 | $149,362 (+30.82%) Land $22,355 Building $127,007 |
| 2023 | $90,200 (-) Land $13,500 Building $76,700 | $114,177 (+3.8%) Land $17,089 Building $97,088 | |
| 2022 | $90,200 Land $13,500 Building $76,700 | $110,000 Land $16,463 Building $93,537 | |
| 2021 | $4,450.00 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 637 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fiber | 980 / 880 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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