421 Second St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 421 Second St, Schenectady, NY 12306 · Last verified July 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	6 Beds
Bathrooms	2 Baths
Year Built	Built 1900
Square Footage	2,276 sqft Total Area
Lot Size	5,915 sqft (0.135 acres)
Occupancy	Owner Occupied
Last Sale	$104,000 (2005)
Tax Bill	$6,137.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 49.45-1-26`
Alternative APN	`150004904500010260000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Building Area	2,276 sqft Total Area
1st Floor	1,138 sqft 1st Floor
2nd Floor	1,138 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	5,915 sqft (0.135 acres)
Depth X Width	169 ft x 35 ft Depth x Width
Porch Area	340 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	421 SECOND ST
City	SCHENECTADY
State	NY
Zip	12306-5021
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	SCHENECTADY NY
Minor Civil Division	SCHENECTADY
Census Blockgroup	1
Census Block	1006
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.45-1-26

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	421 SECOND ST, SCHENECTADY, NY 12306-5021
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage MIDFIRST BANK
Nov 19, 2018	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 26, 2005 · Amount on Record
Deed Sale	Oct 26, 2005 · Amount on Record
Prior Sale	May 03, 2001 · Amount on Record
Deed Book / Page	1719 / 113
Record Refreshed	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	421 SECOND ST, SCHENECTADY, NY 12306-5021
Transaction Type	Mortgage
Record Updated	Feb 07, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SECOND ST, SCHENECTADY, NY 12306-5021

Mortgage

Document Number	0000004688
Date	Jan 27, 2022
Book Page	5195/183
Instrument	202204688

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	421 SECOND ST, SCHENECTADY, NY 12306-5021
Document Number	0000001399
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 SECOND ST SCHENECTADY NY 123065021, SCHENECTADY, NY 12306-5021

Mortgage

Document Number	0000001399
Date	Jan 10, 2019
Book Page	004889/000072
Instrument	1399

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 09, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,137.00 (+7.05%)	$106,800 (-) Land $16,000 Building $90,800	$176,850 (+30.82%) Land $26,494 Building $150,356
2023		$106,800 (-) Land $16,000 Building $90,800	$135,190 (+3.8%) Land $20,253 Building $114,937
2022		$106,800 Land $16,000 Building $90,800	$130,244 Land $19,512 Building $110,732
2021	$5,733.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

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