Schenectady County and Schenectady City property record for 428 Chiswell Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 900 sqft · built 1960 |
| Lot Size | 0.192 acres (8,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $183,000 (Jul 2023) |
| Tax Bill | $4,769 (2026) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Sep 2019 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 421500 60.62-3-35 |
| Primary APN | 421500 60.62-3-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| 1st Floor Area | 900 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 8,400 sqft (0.192 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 240 sqft |
| Patio Area | 66 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 CHISWELL RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PART 353 1 WOOD & GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4031 |
| Census Tract | 21802 |
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 | 428 CHISWELL RD, SCHENECTADY, NY 12304-3810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 4, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2023 · Amount on Record |
| Deed Sale | Jul 27, 2023 · Amount on Record |
| Deed Document Number | 202342544 |
| Deed Book / Page | 2112 / 647 |
| Prior Transfer Date | Aug 20, 2019 |
| Prior Transfer Doc | 0000039518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 27, 2023 |
| Property Address | 428 CHISWELL RD, SCHENECTADY, NY 12304-3810 |
| Document Number | 0000042544 |
| Book / Page | 2112 / 647 |
| Instrument Date | Jul 12, 2023 |
| Instrument | 202342544 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $732.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 561 FILLMORE AVE, SCHENECTADY, NY 12304-4181 |
| Name | Verified Name |
|---|---|
| Address | 1317 CYPRIANA TER, SCHENECTADY, NY 12306-2553 |
| Document Number | 0000042546 |
|---|---|
| Date | Jul 27, 2023 |
| Instrument | 202342546 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 4, 2019 |
| Property Address | 428 CHISWELL RD, SCHENECTADY, NY 12304-3810 |
| Document Number | 0000039518 |
| Book / Page | 002019 / 000028 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 39518 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 561 FILLMORE AVE SCHENECTADY NY 123044181, SCHENECTADY, NY 12304-4181 |
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 | $4,769.00 (+2.38%) | ||
| 2025 | $4,658.00 (+71.44%) | $90,500 (-) Land $13,600 Building $76,900 | $149,859 (+30.82%) Land $22,520 Building $127,339 |
| 2023 | $90,500 (-) Land $13,600 Building $76,900 | $114,557 (+3.8%) Land $17,215 Building $97,342 | |
| 2022 | $90,500 Land $13,600 Building $76,900 | $110,366 Land $16,585 Building $93,781 | |
| 2021 | $2,717.00 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 97% of the US · lower than 96% 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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