415 Twelfth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 415 Twelfth St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,350 sqft · built 1950
Lot Size	0.139 acres (6,075 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Nov 2019)
Tax Bill	$5,285 (2026)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.58-2-30`

Property Details

APN / Parcel Number

Primary APN	`421500 48.58-2-30`
Alternative APN	`150004805800020300000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,350 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Composition/Composite
Lot Area	6,075 sqft (0.139 acres)
Lot Dimensions	135 ft deep x 45 ft wide
Porch	Slab
Porch Area	21 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	415 TWELFTH ST
City	SCHENECTADY
State	NY
Zip	12306-3111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	1X WOOD
Legal Block	2
Legal Lot Number	30.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3010
Census Tract	21200

Owner

415 Twelfth St is owned and occupied by an individual who bought it in November 2019.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	415 TWELFTH ST, SCHENECTADY, NY 12306-3111
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2019 · Amount on File
Deed Sale	Nov 8, 2019 · Amount on File
Deed Document Number	201950946
Deed Book / Page	2023 / 931
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 8, 2019
Property Address	415 TWELFTH ST, SCHENECTADY, NY 12306-3111
Document Number	0000050946
Book / Page	2023 / 931
Instrument Date	Nov 4, 2019
Instrument	201950946
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 EASTHOLM RD, 138, SCHENECTADY, NY 12304-1904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 NINTH ST, SCHENECTADY, NY 12306-3237

Mortgage

Document Number	0000050948
Date	Nov 8, 2019
Instrument	201950948

Lender

Name	SEFCU MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 415 Twelfth St was $5,285, up 2.2% from the year before.

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	$5,285.00 (+2.22%)
2025	$5,170.00	$103,000 (-) Land $15,500 Building $87,500	$170,558 (+13.35%) Land $25,666 Building $144,892
2024		$103,000 (-) Land $15,500 Building $87,500	$150,475 (+15.41%) Land $22,644 Building $127,831
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	$4,936.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 415 Twelfth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 415 Twelfth St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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