Schenectady County and Schenectady City property record for 405 Twelfth St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 1,844 sqft · built 1910 |
| Lot Size | 0.139 acres (6,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Mar 2022) |
| Tax Bill | $6,684 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-2-31 |
| Primary APN | 421500 48.58-2-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 1,844 sqft Total Area |
| 1st Floor Area | 922 sqft |
| 2nd Floor Area | 922 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,075 sqft (0.139 acres) |
| Lot Dimensions | 135 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 474 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3111 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21200 |
405 Twelfth St, a duplex, is owned and occupied by an individual who bought it in March 2022.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT LP |
| Jun 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Mar 15, 2022 | Warranty Deed, Transfer · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on File |
| Deed Sale | Mar 15, 2022 · Amount on File |
| Deed Document Number | 202213488 |
| Deed Book / Page | 2080 / 614 |
| Prior Transfer Date | Jun 2, 2008 |
| Prior Transfer Doc | 1783000708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 2, 2026 |
| Property Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000007517 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 20267517 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000007517, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 20267517 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 478 Months |
| Due | Feb 1, 2066 |
| Rate | 6.09% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000037403 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 5313/254 |
| Instrument | 202337403 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 15, 2022 |
| Property Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000013488 |
| Book / Page | 2080 / 614 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 202213488 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETMNT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 TWELFTH ST, 405, SCHENECTADY, NY 12306-3111 |
| Name | Verified Name |
|---|---|
| Address | 405 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000013489 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 202213489 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
The 2026 property tax bill for 405 Twelfth St was $6,684, up 3.1% 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 | $6,684.00 (+3.1%) | ||
| 2025 | $6,483.00 | $114,100 Land $17,100 Building $97,000 | $188,939 Land $28,316 Building $160,623 |
| 2023 | $114,100 (-) Land $17,100 Building $97,000 | $144,430 (+3.8%) Land $21,646 Building $122,784 | |
| 2022 | $114,100 Land $17,100 Building $97,000 | $139,146 Land $20,854 Building $118,292 | |
| 2021 | $6,068.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 405 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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