403 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 403 Union St, Schenectady, NY 12305

Property Summary

Property Type	Apartments (5+ Units)
Details	5,824 sqft · built 1950
Lot Size	0.063 acres (2,736 sqft)
Owner	Company Name on Record
Last Sale	$850,000 (Nov 2025)
Tax Bill	$13,320 (2026)
Deeds & Mortgages	Mar 2026 Refinance Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.64-2-25`

Property Details

APN / Parcel Number

Primary APN	`421500 39.64-2-25`
Alternative APN	`150003906400020250000000`

Interior

Stories	3 Stories
Building Area	5,824 sqft Gross Area
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2005
Lot Area	2,736 sqft (0.063 acres)
Lot Dimensions	58 ft deep x 49 ft wide
Porch	Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	403 UNION ST
City	SCHENECTADY
State	NY
Zip	12305
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	05 - COMME
Legal Description	3 BRICK 0002390606 83,700
Legal Block	2
Legal Lot Number	25.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1011
Census Tract	20300

Historic Designation

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

Historic District	Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268

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 Record	Company Name on Record
Mailing Address	12312 INWOOD ST, JAMAICA, NY 11436-1630
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Stand-Alone Refinance SILVER HILL CAPITAL LLC
Mar 30, 2026	Deed of Trust, Mortgage SILVER HILL CAPITAL LLC
Nov 18, 2025	Warranty Deed, Transfer MALIBU DEVELOPERS LLC
Dec 11, 2020	Deed of Trust, Mortgage BANK OF GREENE CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Dec 14, 2010 · Amount on Record
Deed Document Number	202527013
Deed Book / Page	2160 / 953
Prior Transfer Date	Oct 25, 2010
Prior Transfer Doc	0000053286
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	403 UNION ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12312 INWOOD ST, JAMAICA, NY 11436-1630

Mortgage

Document Number	0000007138
Date	Mar 30, 2026
Instrument	202607138

Lender

Name	SILVER HILL CAPITAL LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33146

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	403 UNION ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	May 1, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123-12 LNWOD STREET, JAMAICA, NY 11436

Mortgage

Document Number	0000007137
Date	Mar 30, 2026
Instrument	202607137

Lender

Name	SILVER HILL CAPITAL LLC
Type	Non-Lending Institution
Address	MIAMI, FL 33146

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 18, 2025
Property Address	403 UNION ST, SCHENECTADY, NY 12305
Document Number	0000027013
Instrument Date	Sep 19, 2025
Instrument	202527013
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1810 BROADWAY, SCHENECTADY, NY 12306-4931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12312 INWOOD ST, JAMAICA, NY 11436-1630

Mortgage

Document Number	0000027014
Date	Nov 18, 2025
Instrument	202527014

Lender

Name	MALIBU DEVELOPERS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	403 UNION ST, SCHENECTADY, NY 12305
Document Number	0000000130
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 18, 2021
Title Company	SMPR TITLE AGENCY INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1810 BROADWAY SCHENECTADY NY 123064931, SCHENECTADY, NY 12306-4931

Mortgage

Document Number	0000000130
Date	Jan 4, 2021
Book Page	005055/000572
Instrument	130

Lender

Name	BANK OF GREENE CNTY
Type	Bank
Address	341 MAIN ST, CATSKILL, NY 12414-1420

Agreement

Amount	Amount Recorded

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	$13,320.00 (+0.86%)
2025	$13,207.00 (+4.36%)	$310,000 (-) Land $9,600 Building $300,400	$513,330 (+13.35%) Land $15,897 Building $497,433
2024		$310,000 (-) Land $9,600 Building $300,400	$452,885 (+15.41%) Land $14,025 Building $438,860
2023		$310,000 (-) Land $9,600 Building $300,400	$392,405 (+3.8%) Land $12,152 Building $380,253
2022		$310,000 Land $9,600 Building $300,400	$378,049 Land $11,707 Building $366,342
2021	$12,655.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 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 Risk	Not 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 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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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