Schenectady County and Schenectady City property record for 418 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 902 sqft · built 1946 |
| Lot Size | 0.278 acres (12,150 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $170,000 (Oct 2021) |
| Tax Bill | $4,595 (2026) |
| Deeds & Mortgages | Jun 2023 Sale Oct 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.58-1-21 |
| Primary APN | 421500 48.58-1-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 902 sqft Living Area |
| 1st Floor Area | 902 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,150 sqft (0.278 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 105 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 418 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 26 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
418 Twelfth St is owned by a company that bought it in October 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Jun 5, 2023 | Deed, Transfer |
| Oct 12, 2021 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| May 20, 2019 | Grant Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2021 · Amount on File |
| Deed Sale | Oct 12, 2021 · Amount on File |
| Prior Sale | May 20, 2019 · Amount on File |
| Deed Document Number | 202150525 |
| Deed Book / Page | 2068 / 990 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 5, 2023 |
| Property Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000031817 |
| Book / Page | 2109 / 41 |
| Instrument Date | May 17, 2023 |
| Instrument | 202331817 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Name | Verified Name |
|---|---|
| Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 12, 2021 |
| Property Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000050525 |
| Book / Page | 2068 / 990 |
| Map Reference | MB 2011 PG 493 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 202150525 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 418 TWELFTH ST, 418, SCHENECTADY, NY 12306-3112 |
| Name | Verified Name |
|---|---|
| Address | 806 DUANESBURG RD, SCHENECTADY, NY 12306-1021 |
| Document Number | 0000050526 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 202150526 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 20, 2019 |
| Property Address | 418 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000021758 |
| Book / Page | 002011 / 000493 |
| Instrument Date | May 15, 2019 |
| Instrument | 21758 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS |
| Amount | Amount on Record |
|---|---|
| Tax | $260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1120 VAN VELSEN ST SCHENECTADY NY 123031849, SCHENECTADY, NY 12303-1849 |
The 2026 property tax bill for 418 Twelfth St was $4,595, up 2.4% 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 | $4,595.00 (+2.43%) | ||
| 2025 | $4,486.00 | $84,000 Land $12,600 Building $71,400 | $139,096 Land $20,864 Building $118,232 |
| 2023 | $84,000 (-) Land $12,600 Building $71,400 | $106,329 (+3.8%) Land $15,949 Building $90,380 | |
| 2022 | $84,000 Land $12,600 Building $71,400 | $102,439 Land $15,366 Building $87,073 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 418 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 risk around 418 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 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 |
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