Schenectady County and Schenectady City property record for 422 5th St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 920 sqft · built 1926 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $246,000 (Jun 2026) |
| Tax Bill | $4,060 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.52-1-28 |
| Primary APN | 421500 48.52-1-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 920 sqft Living Area |
| 1st Floor Area | 920 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 150 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 232 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 422 FIFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 21200 |
Source: Schenectady County and Schenectady City records, as of August 17, 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 Record |
|---|---|
| Mailing Address | 728 N BRANDYWINE AVE, SCHENECTADY, NY 12308-3522 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORPORATION |
| Jun 30, 2026 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORPORATION |
| Mar 24, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2026 · Amount on Record |
| Deed Sale | Jun 30, 2026 · Amount on Record |
| Prior Sale | Dec 22, 2023 · Amount on Record |
| Deed Document Number | 202614870 |
| Deed Book / Page | 2174 / 825 |
| Prior Transfer Date | Dec 10, 2001 |
| Prior Transfer Doc | 1614000880 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 30, 2026 |
| Property Address | 422 FIFTH ST, SCHENECTADY, NY 12306-4143 |
| Document Number | 0000014871 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202614871 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 727 N BRANDYWINE AVE, SCHENECTADY, NY 12308-3521 |
| Document Number | 0000014871, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202614871 |
| Name | HOMESTEAD FUNDING CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 30, 2026 |
| Property Address | 422 FIFTH ST, SCHENECTADY, NY 12306-4143 |
| Document Number | 0000014870 |
| Book / Page | 2174 / 825 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202614870 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2026 |
| Title Company | SIMPLE TITLE, SIMPLIFILE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $99,384.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000014871, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 202614871 |
| Name | HOMESTEAD FUNDING CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 24, 2021 |
| Property Address | 422 FIFTH ST, SCHENECTADY, NY 12306-4143 |
| Document Number | 0000012433 |
| Book / Page | 2054 / 941 |
| Instrument Date | Mar 16, 2021 |
| Instrument | 202112433 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NORTH AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 80 S WESTCOTT RD, SCHENECTADY, NY 12306-9403 |
| Document Number | 0000012434 |
|---|---|
| Date | Mar 24, 2021 |
| Instrument | 202112434 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 4, 2046 |
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 |
|---|---|---|---|
| 2025 | $4,060.00 (+5.78%) | $75,900 (-) Land $11,400 Building $64,500 | $125,683 (+30.82%) Land $18,877 Building $106,806 |
| 2023 | $75,900 (-) Land $11,400 Building $64,500 | $96,076 (+3.8%) Land $14,430 Building $81,646 | |
| 2022 | $75,900 Land $11,400 Building $64,500 | $92,561 Land $13,902 Building $78,659 | |
| 2021 | $3,838.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 508 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 |
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