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417 Twelfth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 417 Twelfth St, Schenectady, NY 12306

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 728 sqft · built 1959
Lot Size0.139 acres (6,075 sqft)
Owner2 Individual Names on File
Last Sale$253,000 (Jun 2023)
Tax Bill$3,941 (2026)
Deeds & MortgagesFeb 2021 Transfer
May 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN421500 48.58-2-29

Property Details

APN / Parcel Number

Primary APN421500 48.58-2-29
Alternative APN
  • 150004805800020290000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area728 sqft Living Area
1st Floor Area728 sqft
Basement Area364 sqft
Finished Basement364 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area6,075 sqft (0.139 acres)
Lot Dimensions135 ft deep x 45 ft wide
PorchSlab
Porch Area236 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address417 TWELFTH ST
CitySCHENECTADY
StateNY
Zip12306-3111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description1 WOOD
Legal Block2
Legal Lot Number29.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group3
Census Block3010
Census Tract21200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address417 TWELFTH ST, SCHENECTADY, NY 12306-3111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 26, 2021Intrafamily Transfer, Transfer
MARATHON TITLE AGENCY
May 6, 2019Deed of Trust, Mortgage · Line of Credit
CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 9, 2023 · Amount on File
Deed SaleJun 9, 2023 · Amount on File
Prior SaleFeb 20, 2004 · Amount on File
Deed Document Number202333632
Deed Book / Page2109 / 494
Prior Transfer DateFeb 13, 2004
Prior Transfer Doc0016720380
Record UpdatedOct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSCHENECTADY NY
Recording DateFeb 26, 2021
Property Address417 TWELFTH ST, SCHENECTADY, NY 12306-3111
Document Number0000007702
Book / Page2053 / 168
Instrument DateFeb 16, 2021
Instrument202107702
Transaction TypeTransfer
Record UpdatedJun 7, 2023
Title CompanyMARATHON TITLE AGENCY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address417 TWELFTH ST, SCHENECTADY, NY 12306-3111

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address417 TWELFTH ST, SCHENECTADY, NY 12306-3111
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000019550
DateMay 6, 2019
Book Page4909/430
Instrument201919550
Lender
NameCAPITAL COMMUNICATIONS FCU
TypeCredit Union
AddressALBANY, NY 12205
Agreement
TypeLine of Credit
AmountAmount on Record
Term180 Months
DueApr 30, 2034
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$3,941.00 (+25.95%)
2025$3,129.00 (+12.84%)$64,700 (-) Land $9,700 Building $55,000$107,137 (+30.82%) Land $16,062 Building $91,075
2023$64,700 (-) Land $9,700 Building $55,000$81,899 (+3.8%) Land $12,279 Building $69,620
2022$64,700 Land $9,700 Building $55,000$78,902 Land $11,829 Building $67,073
2021$2,773.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot 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 RiskNot 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 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 823 locations within half a mile, as of December 31, 2025

ProviderMax 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

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