427 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 427 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,472 sqft · built 1910
Lot Size	0.132 acres (5,788 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Aug 2023)
Tax Bill	$5,535 (2026)
Deeds & Mortgages	Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.44-2-36`

Property Details

APN / Parcel Number

Primary APN	`421500 49.44-2-36`
Alternative APN	`150004904400020360000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,472 sqft Total Area
1st Floor Area	1,284 sqft
2nd Floor Area	1,188 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,788 sqft (0.132 acres)
Lot Dimensions	175 ft deep x 33 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	314 sqft
Porch	Slab
Porch Area	800 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	427 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
Legal Block	2
Legal Lot Number	36.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	5
Census Block	5004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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	410 DIVISION ST, SCHENECTADY, NY 12304-1112
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Deed Document Number	202347724
Deed Book / Page	2114 / 260
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 22, 2023
Property Address	427 DIVISION ST, SCHENECTADY, NY 12304-1111
Document Number	0000047724
Book / Page	2114 / 260
Instrument Date	Jul 14, 2023
Instrument	202347724
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 DEWITT AVE, SCHENECTADY, NY 12304-2241

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 DIVISION ST, SCHENECTADY, NY 12304-1112

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,535.00 (+3.59%)
2025	$5,343.00 (+177.56%)	$87,400 (-) Land $13,100 Building $74,300	$144,726 (+30.82%) Land $21,692 Building $123,034
2023		$87,400 (-) Land $13,100 Building $74,300	$110,633 (+3.8%) Land $16,582 Building $94,051
2022		$87,400 Land $13,100 Building $74,300	$106,585 Land $15,976 Building $90,609
2021	$1,925.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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