Schenectady County and Schenectady City property record for 425 Chadwick Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,485 sqft · built 1998 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (Feb 2024) |
| Tax Bill | $6,845 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-52 |
| Primary APN | 421500 60.70-3-52 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,485 sqft Living Area |
| 1st Floor Area | 945 sqft |
| Basement Area | 540 sqft |
| Finished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 140 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 261 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 425 CHADWICK RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | RAISED RANCH |
| Legal Block | 3 |
| Legal Lot Number | 52.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 425 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage HDF CONNECTS IN LIEU OF TRUE CORPORATE N |
| Feb 8, 2024 | Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2024 · Amount on Record |
| Deed Sale | Feb 8, 2024 · Amount on Record |
| Prior Sale | Jun 1, 2011 · Amount on Record |
| Deed Document Number | 20247804 |
| Deed Book / Page | 2125 / 257 |
| Last Transfer Date | Jul 17, 2025 |
| Transfer Doc | 0000018485 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 425 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Title Company | CHICAGO TITLE ALBANY |
| Name | Verified Name |
|---|---|
| Address | 425 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000007807 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 5357/722 |
| Instrument | 202407807 |
| Name | HDF CONNECTS IN LIEU OF TRUE CORPORATE N |
|---|---|
| Type | Non-Lending Institution |
| Address | STAMFORD, CT 06901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 8, 2024 |
| Property Address | 425 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000007804 |
| Book / Page | 2125 / 257 |
| Map Reference | CAB 1 MAP 350 |
| Instrument Date | Jan 25, 2024 |
| Instrument | 202407804 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2024 |
| Title Company | CHICAGO TITLE ALBANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Name | Verified Name |
|---|---|
| Address | 6106 OAK HILL CIR, RENSSELAER, NY 12144-8802 |
| Document Number | 0000007805 |
|---|---|
| Date | Feb 8, 2024 |
| Instrument | 202407805 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Number | 0000007806 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 5357/712 |
| Instrument | 202407806 |
| Name | HDF CONNECTS IN LIEU CORPORATE NAME HOUS |
|---|---|
| Type | Non-Lending Institution |
| Address | LAKE ZURICH, IL 60047 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 1, 2044 |
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 | $6,845.00 (+8.02%) | $149,700 (-) Land $22,500 Building $127,200 | $247,889 (+30.82%) Land $37,258 Building $210,631 |
| 2023 | $149,700 (-) Land $22,500 Building $127,200 | $189,494 (+3.8%) Land $28,481 Building $161,013 | |
| 2022 | $149,700 Land $22,500 Building $127,200 | $182,561 Land $27,439 Building $155,122 | |
| 2021 | $6,337.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% 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 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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