Schenectady County and Schenectady City property record for 406 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,301 sqft · built 1920 |
| Lot Size | 0.117 acres (5,130 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,471 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-1-24.1 |
| Primary APN | 421500 48.58-1-24.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,301 sqft Living Area |
| 1st Floor Area | 731 sqft |
| 2nd Floor Area | 570 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,130 sqft (0.117 acres) |
| Lot Dimensions | 135 ft deep x 38 ft wide |
| Garage Type | Detached |
| Garage Area | 256 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 160 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 406 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | P/O LOTS 28 & 29 1X WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 24.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 10, 2023 |
| Transfer Doc | 0000001654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 22, 2020 |
| Property Address | 406 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000033050 |
| Book / Page | 002044 / 000127 |
| Instrument Date | Oct 2, 2020 |
| Instrument | 33050 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | KELLER TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2853 CLYDE AVE SCHENECTADY NY 123061611, SCHENECTADY, NY 12306-1611 |
| Document Number | 33053 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 005032/000698 |
| Instrument | 33053 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 21, 2050 |
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 | $5,471.00 (+2.13%) | ||
| 2025 | $5,357.00 (+5.06%) | $104,100 (-) Land $15,600 Building $88,500 | $172,380 (+30.82%) Land $25,832 Building $146,548 |
| 2023 | $104,100 (-) Land $15,600 Building $88,500 | $131,772 (+3.8%) Land $19,747 Building $112,025 | |
| 2022 | $104,100 Land $15,600 Building $88,500 | $126,951 Land $19,024 Building $107,927 | |
| 2021 | $5,099.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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