409 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 409 Division St, Schenectady, NY 12304 · Last verified April 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	6 Beds
Bathrooms	2 Baths
Year Built	Built 1910
Square Footage	2,364 sqft Total Area
Lot Size	5,788 sqft (0.132 acres)
Occupancy	Owner Occupied
Last Sale	$90,000 (2016)
Tax Bill	$5,498.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-40`
Alternative APN	`150004904400020400000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Building Area	2,364 sqft Total Area
1st Floor Area	1,182 sqft 1st Floor
2nd Floor Area	1,182 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,788 sqft (0.132 acres)
Lot Dimensions	175 ft deep x 33 ft wide
Shed	1 Shed
Porch	Slab
Porch Area	288 sqft Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1111
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.44-2-40

Assessment roll updated April 14, 2026 · Last verified April 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	409 DIVISION ST, SCHENECTADY, NY 12304-1111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 01, 2016 · Amount on Record
Deed Sale	Dec 01, 2016 · Amount on Record
Prior Sale	Aug 04, 2011 · Amount on Record
Deed Document Number	201655559
Deed Book / Page	1951 / 214
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	409 DIVISION ST, SCHENECTADY, NY 12304-1111
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 DIVISION ST, SCHENECTADY, NY 12304-1111

Mortgage

Document Number	0000028517
Date	May 27, 2022
Book Page	5230/266
Instrument	202228517

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,498.00 (+7.78%)	$91,200 (-) Land $13,700 Building $77,500	$151,018 (+30.82%) Land $22,686 Building $128,332
2023		$91,200 (-) Land $13,700 Building $77,500	$115,443 (+3.8%) Land $17,342 Building $98,101
2022		$91,200 Land $13,700 Building $77,500	$111,220 Land $16,707 Building $94,513
2021	$5,101.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.