Schenectady County and Schenectady City property record for 402 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1930 |
| Lot Size | 0.114 acres (4,995 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,662 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-1-26 |
| Primary APN | 421500 48.58-1-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 4,995 sqft (0.114 acres) |
| Lot Dimensions | 135 ft deep x 37 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 214 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 402 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | PART OF 1 X WOOD |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
402 Twelfth St is owned and occupied by an individual.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 402 Twelfth St was $2,662 with exemptions applied, up 10.4% from the year before.
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 |
|---|---|---|---|
| 2026 | $2,662.00 (+10.41%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,411.00 | $69,100 Land $10,400 Building $58,700 | $114,423 Land $17,221 Building $97,202 |
| 2023 | $69,100 (-) Land $10,400 Building $58,700 | $87,468 (+3.8%) Land $13,165 Building $74,303 | |
| 2022 | $69,100 Land $10,400 Building $58,700 | $84,268 Land $12,683 Building $71,585 | |
| 2021 | $2,116.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Twelfth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 402 Twelfth St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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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