Schenectady County and Schenectady City property record for 410 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,520 sqft · built 1920 |
| Lot Size | 0.106 acres (4,653 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Feb 2008) |
| Tax Bill | $4,335 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-74 |
| Primary APN | 421500 49.44-2-74 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Total Area |
| 1st Floor Area | 1,260 sqft |
| 2nd Floor Area | 1,260 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,653 sqft (0.106 acres) |
| Lot Dimensions | 141 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 442 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 410 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1112 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 74.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 410 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2008 · Amount on Record |
| Deed Sale | Feb 14, 2008 · Amount on Record |
| Prior Sale | Oct 31, 2000 · Amount on Record |
| Deed Book / Page | 1776 / 663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 410 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 410 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000040938 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 5318/232 |
| Instrument | 202340938 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Type Change Date | Jul 5, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 5.99% |
| Max Rate At Change | 7.99% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 11.9% |
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 | $4,335.00 (+5.83%) Homeowner's exemption | ||
| 2025 | $4,096.00 (+14.73%) | $68,500 (-) Land $10,300 Building $58,200 | $113,429 (+30.82%) Land $17,056 Building $96,373 |
| 2023 | $68,500 (-) Land $10,300 Building $58,200 | $86,709 (+3.8%) Land $13,038 Building $73,671 | |
| 2022 | $68,500 Land $10,300 Building $58,200 | $83,537 Land $12,561 Building $70,976 | |
| 2021 | $3,570.00 |
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 |
|---|---|
| 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 | 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 637 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 |
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