414 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 414 Union St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	10,618 sqft · built 1948
Lot Size	0.233 acres (10,145 sqft)
Owner	Company Name on Record
Last Sale	$644,000 (Oct 2018)
Tax Bill	$26,517 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Jan 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.64-3-9`

Property Details

APN / Parcel Number

Primary APN	`421500 39.64-3-9`
Alternative APN	`150003906400030090000000`

Interior

Units	5 Units
Stories	2 Stories
Building Area	10,618 sqft Gross Area
Basement Area	650 sqft
Unfinished Basement	650 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2010
Lot Area	10,145 sqft (0.233 acres)
Lot Dimensions	125 ft deep x 83 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	414 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1118
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	2 BRK AND STUCCO
Legal Block	3
Legal Lot Number	9.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1003
Census Tract	21001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Record	Company Name on Record
Mailing Address	PO BOX 1245, SCHENECTADY, NY 12301-1245
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit THE BANK OF GREENE COUNTY
Jan 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF GREENE COUNTY
Jan 3, 2023	Deed of Trust, Mortgage THE BANK OF GREENE COUNTY
Oct 19, 2018	Warranty Deed, Transfer · Conventional Mortgage MICHAEL J REILLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2018 · Amount on Record
Deed Sale	Oct 19, 2018 · Amount on Record
Prior Sale	Sep 6, 2011 · Amount on Record
Deed Document Number	201846361
Deed Book / Page	1998 / 180
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	414 UNION ST, SCHENECTADY, NY 12305-1107
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	AAA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 UNION ST, SCHENECTADY, NY 12305-1107

Mortgage

Document Number	0000000127
Date	Jan 3, 2023
Book Page	5281/61
Instrument	202300127

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	414 UNION ST, SCHENECTADY, NY 12305-1107
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	AAA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 UNION ST, SCHENECTADY, NY 12305-1107

Mortgage

Document Number	0000000125
Date	Jan 3, 2023
Book Page	5281/41
Instrument	202300125

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	414 UNION ST, SCHENECTADY, NY 12305-1107
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	AAA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 UNION ST, SCHENECTADY, NY 12305-1107

Mortgage

Document Number	0000000124
Date	Jan 3, 2023
Book Page	5281/27
Instrument	202300124

Lender

Name	THE BANK OF GREENE COUNTY
Type	Bank
Address	CATSKILL, NY 12414

Agreement

Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 19, 2018
Property Address	414 UNION ST, SCHENECTADY, NY 12305-1107
Document Number	0000046361
Book / Page	001998 / 000180
Instrument Date	Oct 11, 2018
Instrument	46361
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,576.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	414 UNION ST SCHENECTADY NY 123051107, SCHENECTADY, NY 12305-1107

Mortgage

Document Number	46364
Date	Oct 19, 2018
Book Page	004872/000298
Instrument	46364

Lender

Name	MICHAEL J REILLY
Address	73 TROY RD, EAST GREENBUSH, NY 12061-1334

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	7%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$26,517.00 (+2.33%)
2025	$25,912.00 (-0.22%)	$624,000 (-) Land $29,500 Building $594,500	$1,033,284 (+30.82%) Land $48,849 Building $984,435
2023		$624,000 (-) Land $29,500 Building $594,500	$789,873 (+3.8%) Land $37,342 Building $752,531
2022		$624,000 Land $29,500 Building $594,500	$760,976 Land $35,976 Building $725,000
2021	$25,970.00

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

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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