406 Chiswell Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 406 Chiswell Rd, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1950
Lot Size	0.401 acres (17,500 sqft)
Owner	Individual Name on File
Last Sale	$267,500 (Sep 2024)
Tax Bill	$4,430 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`421500 60.62-3-38`

Property Details

APN / Parcel Number

Primary APN	`421500 60.62-3-38`
Alternative APN	`150006006200030380000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	949 sqft
Upper Floors Area	235 sqft
Attic	Attic
Attic Area	235 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	17,500 sqft (0.401 acres)
Lot Dimensions	140 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	62 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 CHISWELL RD
City	SCHENECTADY
State	NY
Zip	12304-3810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	358 & 359 1.5 WOOD & GARAGE
Legal Block	3
Legal Lot Number	38.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4031
Census Tract	21802

Owner

Source: Schenectady County and Schenectady City records · APN 421500 60.62-3-38

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	53 CROOKED ST, SCHENECTADY, NY 12302-9527
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2024 · Amount on Record
Deed Sale	Sep 24, 2024 · Amount on Record
Prior Sale	Jun 09, 2015 · Amount on Record
Deed Document Number	202456546
Deed Book / Page	2138 / 392
Record Updated	Sep 20, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 24, 2024
Property Address	406 CHISWELL RD, SCHENECTADY, NY 12304-3810
Document Number	0000056546
Book / Page	2138 / 392
Instrument Date	Sep 06, 2024
Instrument	202456546
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	BENNETT TITLE & ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,070.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 CHISWELL RD, SCHENECTADY, NY 12304-3810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 CROOKED ST, SCOTIA, NY 12302-9527

Mortgage

Document Number	0000056547
Date	Sep 24, 2024
Instrument	202456547

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 06, 2054

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,430.00 (+21.3%)	$130,000 (+66.67%) Land $11,700 Building $118,300	$215,267 (+118.03%) Land $19,374 Building $195,893
2023		$78,000 (-) Land $11,700 Building $66,300	$98,734 (+3.8%) Land $14,810 Building $83,924
2022		$78,000 Land $11,700 Building $66,300	$95,122 Land $14,268 Building $80,854
2021	$3,652.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 619 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.