416 State St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 416 State St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	34,019 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Tax Bill	$9,248 (2025)
Deeds & Mortgages	May 2017 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.80-2-3.1`

Property Details

APN / Parcel Number

Primary APN	`421500 39.80-2-3.1`
Alternative APN	`150003908000020030010000`

Interior

Stories	5 Stories
Building Area	34,019 sqft Gross Area
Basement Area	2,915 sqft
Unfinished Basement	2,915 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1997
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	115 ft deep x 108 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	416 STATE ST
City	SCHENECTADY
State	NY
Zip	12305
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Block	2
Legal Lot Number	3.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1011
Census Tract	21001

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	800 TROY SCHENECTADY RD, 102, LATHAM, NY 12110-2424
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
May 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage BALLSTON SPA NATIONAL BANK
Aug 6, 2018	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BALLSTON SPA NATIONAL BANK
May 16, 2017	Loan Modification, Consolidation and Extension, Mortgage BALLSTON SPA NAT'L BK
May 16, 2017	Deed of Trust, Mortgage · Line of Credit SCHENECTADY METROPLEX DEV AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	416 STATE ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022302
Date	May 19, 2017
Book Page	4761/232
Instrument	201722302

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	416 STATE ST, SCHENECTADY, NY 12305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034534
Date	Aug 6, 2018
Book Page	4855/131
Instrument	201834534

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

May 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	SCHENECTADY NY
Property Address	416 STATE ST, SCHENECTADY, NY 12305
Document Number	0000022303
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12 CENTURY HILL DR LATHAM NY 121102123, LATHAM, NY 12110-2123

Mortgage

Document Number	0000022303
Date	May 19, 2017
Book Page	004761/000255
Instrument	22303

Lender

Name	BALLSTON SPA NAT'L BK
Type	Bank
Address	990 STATE ROUTE 67, BALLSTON SPA, NY 12020-3603

Agreement

Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	416 STATE ST, SCHENECTADY, NY 12305
Document Number	0000022305
Instrument Date	May 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12 CENTURY HILL DR LATHAM NY 121102123, LATHAM, NY 12110-2123

Mortgage

Document Number	0000022305
Date	May 19, 2017
Book Page	004761/000280
Instrument	22305

Lender

Name	SCHENECTADY METROPLEX DEV AUTH
Address	433 STATE ST CENTER CITY PLZ, SCHENECTADY, NY 12305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 18, 2027

Interest

Rate Type	Adjustable Rate

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
2025	$9,248.00	$1,311,100 (-) Land $33,100 Building $1,278,000	$2,171,055 (+30.82%) Land $54,810 Building $2,116,245
2023		$1,311,100 Land $33,100 Building $1,278,000	$1,659,620 Land $41,899 Building $1,617,721

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 92 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 Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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