406 Schenectady St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 406 Schenectady St, Schenectady, NY 12307

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,239 sqft · built 1996
Lot Size	0.091 acres (3,986 sqft)
Owner	Individual Name on Record
Last Sale	$76,950 (Apr 2002)
Tax Bill	$3,935 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.32-3-14`

Property Details

APN / Parcel Number

Primary APN	`421500 49.32-3-14`
Alternative APN	`150004903200030140000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,239 sqft Living Area
1st Floor Area	624 sqft
2nd Floor Area	615 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Lot Area	3,986 sqft (0.091 acres)
Lot Dimensions	119 ft deep x 33.3 ft wide
Porch	Slab
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	406 SCHENECTADY ST
City	SCHENECTADY
State	NY
Zip	12307-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	23
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	21002

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	Individual Name on Record
Mailing Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage PIONEER BANK
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Jun 15, 2023	Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage PIONEER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2002 · Amount on Record
Deed Sale	Apr 22, 2002 · Amount on Record
Prior Sale	Jan 19, 1996 · Amount on Record
Deed Book / Page	1622 / 429
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 1, 2026
Property Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713
Document Number	0000019430
Instrument Date	Aug 7, 2026
Instrument	202619430
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713

Mortgage

Document Number	0000019430,
Date	Sep 1, 2026
Instrument	202619430

Lender

Name	PIONEER BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 7, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017587
Date	Mar 25, 2024
Book Page	5364/320
Instrument	202417587

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Feb 20, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713
Transaction Type	Mortgage
Record Updated	Jul 4, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 DILIPCHAND #2 2, 2, SCHENECTADY, NY 12307

Mortgage

Document Number	0000034852
Date	Jun 15, 2023
Book Page	5310/847
Instrument	202334852

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SCHENECTADY ST, SCHENECTADY, NY 12307-1713

Mortgage

Document Number	0000029508
Date	Sep 28, 2020
Book Page	5024/422
Instrument	202029508

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Aug 15, 2030

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	$3,935.00 (+4.21%) Homeowner's exemption
2025	$3,776.00 (+11.09%)	$78,200 (-) Land $11,700 Building $66,500	$129,492 (+30.82%) Land $19,374 Building $110,118
2023		$78,200 (-) Land $11,700 Building $66,500	$98,987 (+3.8%) Land $14,810 Building $84,177
2022		$78,200 Land $11,700 Building $66,500	$95,366 Land $14,268 Building $81,098
2021	$3,399.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 99.1% of the US · lower than 99.2% 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.

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 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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