Schenectady County and Schenectady City property record for 428 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1950 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $71,000 (Jan 2021) |
| Tax Bill | $5,945 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.62-2-33 |
| Primary APN | 421500 60.62-2-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 200 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 237 PTS OF 1 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 33.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 428 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 7, 2021 | Deed of Trust, Mortgage SUNMARK FCU |
| Jan 29, 2021 | Grant Deed, Transfer ATTORNEY ONLY |
| Apr 9, 2020 | Foreclosure SOLUTIONSTAR SETTLEMENT SERVICES, SOLUTIONSTAR SETTLEMENT SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2021 · Amount on File |
| Deed Sale | Jan 29, 2021 · Amount on File |
| Prior Sale | Apr 9, 2020 · Amount on File |
| Deed Document Number | 20214134 |
| Deed Book / Page | 2051 / 231 |
| Prior Transfer Date | Mar 12, 2020 |
| Prior Transfer Doc | 0000011984 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 428 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Title Company | NATIONAL TITLE INSURANCE COMPANY, NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1005 GLADSTONE ST, SCHENECTADY, NY 12303-3294 |
| Document Number | 0000031843 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 5117/590 |
| Instrument | 202131843 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Amount | Amount on Record |
|---|---|
| Term | 119 Months |
| Due | Jun 15, 2031 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 29, 2021 |
| Property Address | 428 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Document Number | 0000004134 |
| Book / Page | 002051 / 000231 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 4134 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $284.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1005 GLADSTONE ST SCHENECTADY NY 123033294, SCHENECTADY, NY 12303-3294 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 9, 2020 |
| Property Address | 428 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Document Number | 0000011984 |
| Book / Page | 002033 / 000203 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 11984 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 18, 2021 |
| Title Company | SOLUTIONSTAR SETTLEMENT SERVICES, SOLUTIONSTAR SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $729.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620 |
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 | $5,945.00 (+2.06%) | ||
| 2025 | $5,825.00 (+4.3%) | $119,000 (-) Land $17,900 Building $101,100 | $197,052 (+30.82%) Land $29,641 Building $167,411 |
| 2023 | $119,000 (-) Land $17,900 Building $101,100 | $150,633 (+3.8%) Land $22,658 Building $127,975 | |
| 2022 | $119,000 Land $17,900 Building $101,100 | $145,122 Land $21,829 Building $123,293 | |
| 2021 | $5,585.00 |
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 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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