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412 Clayton Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 412 Clayton Rd, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 840 sqft · built 1952
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on Record
Last Sale$122,000 (Feb 2021)
Tax Bill$5,335 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Feb 2021 Sale & Mortgage
+ 5 more
Flood ZoneZone X (moderate risk)
APN421500 60.62-2-36

Property Details

APN / Parcel Number

Primary APN421500 60.62-2-36
Alternative APN
  • 150006006200020360000000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area840 sqft Living Area
1st Floor Area840 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Foundation TypeSlab (Mat/Raft)
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
Shed1 Shed
Canopy16 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address412 CLAYTON RD
CitySCHENECTADY
StateNY
Zip12304-3821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal DescriptionAND PT OF 242 1 WOOD
Legal Block2
Legal Lot Number36.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group4
Census Block4030
Census Tract21802

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 RecordIndividual Name on Record
Mailing Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 27, 2026Deed of Trust, Mortgage · Line of Credit
UNION FEDERAL CREDIT UNION
Feb 3, 2021Warranty Deed, Transfer · FHA Mortgage
PREMIUM MORTGAGE CORP
Jul 6, 2020Quit Claim Deed, Transfer
LEGACY TITLE SERVICES, LEGACY TITLE SVCS
Jul 6, 2020Quit Claim Deed, Transfer
LEGACY TITLE SERVICES, LEGACY TITLE SVCS
Mar 18, 2019Correction Deed, Transfer
NOT AVAILABLE
Mar 6, 2019Quit Claim Deed, Transfer
Quitclaim
Sep 21, 2018Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 3, 2021 · Amount on Record
Deed SaleFeb 3, 2021 · Amount on Record
Prior SaleJul 6, 2020 · Amount on Record
Deed Document Number20214628
Deed Book / Page2051 / 536
Prior Transfer DateJun 26, 2020
Prior Transfer Doc0000019138
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Recording DateAug 27, 2026
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000019099
Instrument DateAug 15, 2026
Instrument202619099
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821

Mortgage

Document Number0000019099,
DateAug 27, 2026
Instrument202619099
Lender
NameUNION FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Max Rate-1%

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 3, 2021
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000004628
Book / Page2051 / 536
Instrument DateJan 21, 2021
Instrument202104628
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyPAC ABSTRACT & TTL SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$488.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address321 COLBY RD, 321, SCHOHARIE, NY 12157-5404

Transferred To (Grantee/Buyer)

NameVerified Name
Address6 JEAN PL, SCHENECTADY, NY 12303-4910

Mortgage

Document Number0000004629
DateFeb 3, 2021
Instrument202104629
Lender
NamePREMIUM MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 1, 2051

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateJul 6, 2020
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000019138
Book / Page002037 / 000462
Instrument DateJun 26, 2020
Instrument19138
Transaction TypeTransfer
Record UpdatedAug 17, 2020
Title CompanyLEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address321 COLBY RD SCHOHARIE NY 121575404, SCHOHARIE, NY 12157-5404

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateJul 6, 2020
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000019137
Book / Page002037 / 000459
Instrument DateJun 26, 2020
Instrument19137
Transaction TypeTransfer
Record UpdatedAug 17, 2020
Title CompanyLEGACY TITLE SERVICES, LEGACY TITLE SVCS

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

March 2019: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionSCHENECTADY NY
Recording DateMar 18, 2019
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000011685
Book / Page002007 / 000512
Instrument DateMar 14, 2019
Instrument11685
Transaction TypeTransfer
Record UpdatedApr 1, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateMar 6, 2019
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000009779
Book / Page002006 / 000871
Instrument DateMar 6, 2019
Instrument9779
Transaction TypeTransfer
Record UpdatedMar 25, 2019

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

September 2018: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionSCHENECTADY NY
Recording DateSep 21, 2018
Property Address412 CLAYTON RD, SCHENECTADY, NY 12304-3821
Document Number0000042150
Book / Page001996 / 000275
Instrument DateSep 21, 2018
Instrument42150
Transaction TypeForeclosure
Record UpdatedOct 9, 2018

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,335.00 (+3.19%)
2025$5,170.00 (-36.24%)$103,000 (-) Land $15,500 Building $87,500$170,558 (+30.82%) Land $25,666 Building $144,892
2023$103,000 (-) Land $15,500 Building $87,500$130,380 (+3.8%) Land $19,620 Building $110,760
2022$103,000 Land $15,500 Building $87,500$125,610 Land $18,902 Building $106,708
2021$8,109.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 96% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 619 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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