Schenectady County and Schenectady City property record for 423 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,376 sqft · built 1910 |
| Lot Size | 0.132 acres (5,788 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $288,600 (Apr 2026) |
| Tax Bill | $5,366 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-37 |
| Primary APN | 421500 49.44-2-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Total Area |
| 1st Floor Area | 1,188 sqft |
| 2nd Floor Area | 1,188 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,788 sqft (0.132 acres) |
| Lot Dimensions | 175 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 423 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1111 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 37.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 20700 |
423 Division St, a duplex, is owned by two individuals who bought it in April 2026.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 ROBINSON ST, SCHENECTADY, NY 12304-1301 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 30, 2026 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORPORATION |
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU |
| Aug 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF SCHENECTADY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Prior Sale | Jan 14, 2015 · Amount on File |
| Deed Document Number | 202610091 |
| Deed Book / Page | 2171 / 498 |
| Prior Transfer Date | Jan 12, 2010 |
| Prior Transfer Doc | 0000005844 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 423 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 368 TWELFTH ST, SCHENECTADY, NY 12306-3110 |
| Document Number | 0000030453 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 5306/726 |
| Instrument | 202330453 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 30, 2026 |
| Property Address | 423 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000010091 |
| Book / Page | 2171 / 498 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 2026.10091 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | AMERICAN LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116,594.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 ROBINSON ST, SCHENECTADY, NY 12304-1301 |
| Document Number | 0000010092, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026..10092 |
| Name | HOMESTEAD FUNDING CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 423 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000017367 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 4996/960 |
| Instrument | 202017367 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 15, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 423 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000048122 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Name | Verified Name |
|---|---|
| Address | 423 DIVISION ST SCHENECTADY NY 123041111, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000048122 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 004874/000940 |
| Instrument | 48122 |
| Name | CITY OF SCHENECTADY |
|---|---|
| Address | 320 STATE ST, SCHENECTADY, NY 12305-2302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 29, 2023 |
The 2026 property tax bill for 423 Division St was $5,366, up 3.7% 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 | $5,366.00 (+3.69%) | ||
| 2025 | $5,175.00 | $83,300 Land $12,500 Building $70,800 | $137,937 Land $20,699 Building $117,238 |
| 2023 | $83,300 (-) Land $12,500 Building $70,800 | $105,443 (+3.8%) Land $15,823 Building $89,620 | |
| 2022 | $83,300 Land $12,500 Building $70,800 | $101,585 Land $15,244 Building $86,341 | |
| 2021 | $4,780.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 423 Division St in Zone X, an area of minimal flood risk.
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.
The area around 423 Division St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 637 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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