404 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 404 Union St, Schenectady, NY 12305

Property Summary

Property Type	Apartments (5+ Units)
Details	4,779 sqft · built 1950
Lot Size	0.182 acres (7,907 sqft)
Owner	Company Name on Record
Last Sale	$700,000 (Jan 2024)
Tax Bill	$11,925 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.64-3-5`

Property Details

APN / Parcel Number

Primary APN	`421500 39.64-3-5`
Alternative APN	`150003906400030050000000`

Interior

Units	7 Units
Stories	3 Stories
Building Area	4,779 sqft Gross Area
Basement Area	2,182 sqft
Finished Basement	2,182 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1993
Lot Area	7,907 sqft (0.182 acres)
Lot Dimensions	194 ft deep x 53.4 ft wide

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Shed	1 Shed
Shed Area	24 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1100
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	05 - COMME
Legal Block	3
Legal Lot Number	5.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	21001

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	824 FEHR AVE, SCHENECTADY, NY 12309-6410
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Warranty Deed, Transfer FIRST NATIONAL BANK OF SCOTIA
Nov 8, 2021	Warranty Deed, Transfer · Commercial Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2024 · Amount on Record
Deed Sale	Jan 31, 2024 · Amount on Record
Prior Sale	Aug 18, 2022 · Amount on Record
Deed Document Number	20246694
Deed Book / Page	2124 / 589
Prior Transfer Date	Aug 2, 2022
Prior Transfer Doc	0000044095
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 31, 2024
Property Address	404 UNION ST, SCHENECTADY, NY 12305-1100
Document Number	0000006694
Book / Page	2124 / 589
Instrument Date	Nov 15, 2023
Instrument	202406694
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2114 MORROW AVE, SCHENECTADY, NY 12309-2331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 FEHR AVE, SCHENECTADY, NY 12309-6410

Mortgage

Document Number	0000006695
Date	Jan 31, 2024
Instrument	202406695

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank

Agreement

Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 8, 2021
Property Address	404 UNION ST, SCHENECTADY, NY 12305-1100
Document Number	0000055936
Book / Page	2071 / 104
Instrument Date	Oct 28, 2021
Instrument	202155936
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1145 DIANNE CT, SCHENECTADY, NY 12303-3302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2114 MORROW AVE, SCHENECTADY, NY 12309-2331

Mortgage

Document Number	0000055937
Date	Nov 8, 2021
Book Page	5165/866
Instrument	202155937

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Commercial Mortgage
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	$11,925.00 (+0.82%)
2025	$11,828.00 (+1.56%)	$280,000 (-) Land $25,600 Building $254,400	$463,653 (+30.82%) Land $42,391 Building $421,262
2023		$280,000 (-) Land $25,600 Building $254,400	$354,430 (+3.8%) Land $32,405 Building $322,025
2022		$280,000 Land $25,600 Building $254,400	$341,463 Land $31,219 Building $310,244
2021	$11,646.00

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

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	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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