420 Summit Ave, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 420 Summit Ave, Schenectady, NY 12307

Property Summary

Property Type	Residential Vacant Land
Details	7 bd · 3 ba · 2,704 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Company Name on Record
Last Sale	$139,000 (Mar 2026)
Tax Bill	$1,698 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.24-2-13.1`

Property Details

APN / Parcel Number

Primary APN	`421500 49.24-2-13.1`
Alternative APNs	`150004902400020130000000` `421500 49.24-2-13.11`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,704 sqft Total Area
1st Floor Area	1,076 sqft
Upper Floors Area	552 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	125 ft deep x 34.2 ft wide
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	421500 49.24-2-13.1
Street Address	420 SUMMIT AVE
City	SCHENECTADY
State	NY
Zip	12307-1719
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	03 - MULTI
Legal Block	2
Legal Lot Number	13.011
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3002
Census Tract	21002

Owner

Source: Schenectady County and Schenectady City records, as of October 6, 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	14 DELMAR PL, 4, DELMAR, NY 12054-3240
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage NEIGHBORHOOD ASSISTANCE CORP OF AMERICA
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone First Mortgage NEW YORK STATE HOUSING FINANCE AGENCY
Mar 24, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Oct 25, 2019	Correction Deed NOT AVAILABLE
Sep 20, 2019	Correction Deed NOT AVAILABLE
Sep 6, 2019	Tax Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Sep 23, 2024 · Amount on Record
Deed Document Number	20266598
Deed Book / Page	2168 / 859
Prior Transfer Date	Aug 13, 2024
Prior Transfer Doc	0000056343
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	SANDS ABSTRACT LLC, SANDS ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006600
Date	Mar 24, 2026
Instrument	202606600

Lender

Name	NEIGHBORHOOD ASSISTANCE CORP OF AMERICA
Type	Mortgage Company
Address	ROXBURY, MA 02119

Agreement

Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	SANDS ABSTRACT LLC, SANDS ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 DELMAR PL 4, 4, DELMAR, NY 12054-3240

Mortgage

Document Number	0000006601
Date	Mar 24, 2026
Instrument	202606601

Lender

Name	NEW YORK STATE HOUSING FINANCE AGENCY
Type	Government Agency
Address	NEW YORK, NY 10022

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 24, 2026
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Document Number	0000006598
Instrument Date	Mar 24, 2026
Instrument	202606598
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	SANDS ABSTRACT LLC, SANDS ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 STONEBREAK RD, MALTA, NY 12020-4425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 DELMAR PL APT 4, 4, DELMAR, NY 12054-3240

Mortgage

Document Number	0000006599
Date	Mar 24, 2026
Instrument	202606599

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

October 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 25, 2019
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Document Number	0000048700
Book / Page	002022 / 000790
Instrument Date	Oct 24, 2019
Instrument	48700
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

September 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 20, 2019
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Document Number	0000042254
Book / Page	002020 / 000487
Instrument Date	Sep 18, 2019
Instrument	42254
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

September 2019: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 6, 2019
Property Address	420 SUMMIT AVE, SCHENECTADY, NY 12307-1719
Document Number	0000039878
Book / Page	002019 / 000268
Instrument Date	Aug 27, 2019
Instrument	39878
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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		$16,800 (-79.54%) Land $16,800	$27,819 (-73.23%) Land $27,819
2024	$1,698.00
2023		$82,100 Land $16,800 Building $65,300	$103,924 Land $21,266 Building $82,658

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1999–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2003 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 585 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

May also be available: T-Mobile.

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