Schenectady County and Schenectady City property record for 424 Elm St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1993 |
| Lot Size | 0.183 acres (8,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,000 (Oct 2023) |
| Tax Bill | $6,941 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.45-1-31 |
| Primary APN | 421500 50.45-1-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 816 sqft |
| Upper Floors Area | 408 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,000 sqft (0.183 acres) |
| Lot Dimensions | 125 ft deep x 64 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 424 ELM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1.5 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 31.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 20700 |
424 Elm St is owned and occupied by an individual who bought it in October 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 424 ELM ST, SCHENECTADY, NY 12304-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage BROADVIEW FCU |
| May 18, 2023 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2023 · Amount on File |
| Deed Sale | Oct 31, 2023 · Amount on File |
| Prior Sale | Aug 6, 1993 · Amount on File |
| Deed Document Number | 202361457 |
| Deed Book / Page | 2118 / 794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 31, 2023 |
| Property Address | 424 ELM ST, SCHENECTADY, NY 12304-1210 |
| Document Number | 0000061457 |
| Book / Page | 2118 / 794 |
| Map Reference | CAB H SL 350&351 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 202361457 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $656.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 ELM ST, SCHENECTADY, NY 12304-1210 |
| Name | Verified Name |
|---|---|
| Address | 98 EILEEN ST, ALBANY, NY 12203-2106 |
| Document Number | 0000061458 |
|---|---|
| Date | Oct 31, 2023 |
| Instrument | 202361458 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Nov 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11% |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 18, 2023 |
| Property Address | 424 ELM ST, SCHENECTADY, NY 12304-1210 |
| Document Number | 0000027941 |
| Book / Page | 2108 / 107 |
| Map Reference | CAB H MAP 350&351 |
| Instrument Date | Apr 25, 2023 |
| Instrument | 202327941 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 ELM ST, SCHENECTADY, NY 12304-1210 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1128 ARDSLEY RD, SCHENECTADY, NY 12308-2607 |
The 2026 property tax bill for 424 Elm St was $6,941, up 1.8% 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 | $6,941.00 (+1.83%) | ||
| 2025 | $6,816.00 | $136,300 Land $20,400 Building $115,900 | $225,700 Land $33,780 Building $191,920 |
| 2023 | $136,300 (-) Land $20,400 Building $115,900 | $172,532 (+3.8%) Land $25,823 Building $146,709 | |
| 2022 | $136,300 Land $20,400 Building $115,900 | $166,220 Land $24,878 Building $141,342 | |
| 2021 | $5,044.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 424 Elm 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 424 Elm 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures