Schenectady County and Schenectady City property record for 412 Elm St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1991 |
| Lot Size | 0.183 acres (8,000 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,415 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.45-1-32 |
| Primary APN | 421500 50.45-1-32 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 576 sqft |
| Finished Basement | 576 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,000 sqft (0.183 acres) |
| Lot Dimensions | 125 ft deep x 64 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 24 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 412 ELM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | VACANT LOT |
| Legal Block | 1 |
| Legal Lot Number | 32.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 20700 |
412 Elm St is owned and occupied by an individual.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 ELM ST, SCHENECTADY, NY 12304-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 412 ELM ST, SCHENECTADY, NY 12304-1210 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 412 ELM ST, SCHENECTADY, NY 12304-1210 |
| Document Number | 0000055510 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 5265/406 |
| Instrument | 202255510 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 412 ELM ST, SCHENECTADY, NY 12304-1210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038606 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 4934/481 |
| Instrument | 201938606 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 7, 2039 |
The 2026 property tax bill for 412 Elm St was $5,415 with exemptions applied, up 5.2% from the year before.
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 | $5,415.00 (+5.23%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,146.00 | $129,000 Land $19,400 Building $109,600 | $213,612 Land $32,125 Building $181,487 |
| 2023 | $129,000 (-) Land $19,400 Building $109,600 | $163,291 (+3.8%) Land $24,557 Building $138,734 | |
| 2022 | $129,000 Land $19,400 Building $109,600 | $157,317 Land $23,659 Building $133,658 | |
| 2021 | $4,748.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Elm St in Zone X, an area of minimal flood risk.
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.
The area around 412 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
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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