Schenectady County and Schenectady City property record for 406 Perry St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,331 sqft · built 1940 |
| Lot Size | 0.277 acres (12,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $156,000 (Jan 2022) |
| Tax Bill | $6,111 (2026) |
| Deeds & Mortgages | May 2019 Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-3-15 |
| Primary APN | 421500 48.58-3-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,331 sqft Living Area |
| 1st Floor Area | 1,019 sqft |
| Upper Floors Area | 312 sqft |
| Attic | Attic |
| Attic Area | 312 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 12,075 sqft (0.277 acres) |
| Lot Dimensions | 105 ft deep x 115 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 128 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 PERRY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 144 1 WOOD AND GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 21200 |
406 Perry St is owned and occupied by two individuals who bought it in January 2022.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 PERRY ST, SCHENECTADY, NY 12306-3108 |
| 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 |
|---|---|
| May 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Jan 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 16, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2022 · Amount on File |
| Deed Sale | Jan 27, 2022 · Amount on File |
| Prior Sale | Aug 16, 2017 · Amount on File |
| Deed Document Number | 20224652 |
| Deed Book / Page | 2077 / 404 |
| Prior Transfer Date | Sep 30, 2005 |
| Prior Transfer Doc | 0017180995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 406 PERRY ST, SCHENECTADY, NY 12306-3108 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | SMPR TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0000022137 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 4912/544 |
| Instrument | 201922137 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 27, 2022 |
| Property Address | 406 PERRY ST, SCHENECTADY, NY 12306-3108 |
| Document Number | 0000004652 |
| Book / Page | 2077 / 404 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 202204652 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $624.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 PERRY ST, 406, SCHENECTADY, NY 12306-3108 |
| Name | Verified Name |
|---|---|
| Address | 1 BRUSH PASTURE LN UNIT 313, 313, PORTLAND, CT 06480-4624 |
| Document Number | 0000004653 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 202204653 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 16, 2017 |
| Property Address | 406 PERRY ST, SCHENECTADY, NY 12306-3108 |
| Document Number | 0000037032 |
| Book / Page | 001969 / 000322 |
| Instrument Date | Jul 26, 2017 |
| Instrument | 37032 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $160.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1361 HELDERBERG AVE SCHENECTADY NY 123064603, SCHENECTADY, NY 12306-4603 |
The 2026 property tax bill for 406 Perry St was $6,111, up 2% 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 | $6,111.00 (+1.97%) | ||
| 2025 | $5,993.00 | $113,900 Land $17,100 Building $96,800 | $188,607 Land $28,316 Building $160,291 |
| 2023 | $113,900 (-) Land $17,100 Building $96,800 | $144,177 (+3.8%) Land $21,646 Building $122,531 | |
| 2022 | $113,900 Land $17,100 Building $96,800 | $138,902 Land $20,854 Building $118,048 | |
| 2021 | $5,339.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Perry St in Zone X, an area of minimal flood risk.
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.
The area around 406 Perry St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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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