Schenectady County and Schenectady City property record for 43 James St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,376 sqft · built 1910 |
| Lot Size | 0.078 acres (3,430 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $78,000 (Jun 1994) |
| Tax Bill | $4,599 (2026) |
| Deeds & Mortgages | Oct 2023 Transfer Sep 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-2-36 |
| Primary APN | 421500 49.68-2-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Total Area |
| 1st Floor Area | 1,188 sqft |
| 2nd Floor Area | 1,188 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,430 sqft (0.078 acres) |
| Lot Dimensions | 98 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 420 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 43 JAMES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1305 |
| 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 | 3 |
| Census Block | 3003 |
| Census Tract | 20700 |
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 Company Names on Record |
|---|---|
| Mailing Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Oct 16, 2023 | Intrafamily Transfer, Transfer |
| Sep 6, 2022 | Intrafamily Transfer, Transfer |
| Jan 29, 2020 | Deed of Trust, Mortgage · Line of Credit SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 1994 · Amount on Record |
| Deed Sale | Jun 29, 1994 · Amount on Record |
| Deed Book / Page | 1424 / 215 |
| Last Transfer Date | Sep 26, 2023 |
| Transfer Doc | 0000058356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 16, 2023 |
| Property Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000058356 |
| Book / Page | 2117 / 643 |
| Instrument Date | Sep 26, 2023 |
| Instrument | 202358356 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 6, 2022 |
| Property Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000047448 |
| Book / Page | 2092 / 430 |
| Instrument Date | Aug 28, 2022 |
| Instrument | 202247448 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Name | Verified Name |
|---|---|
| Address | 45 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 43 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003998 |
|---|---|
| Date | Jan 29, 2020 |
| Book Page | 4969/126 |
| Instrument | 202003998 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 25, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,599.00 (+5.53%) Homeowner's exemption | ||
| 2025 | $4,358.00 (+13.82%) | $74,900 (-) Land $11,200 Building $63,700 | $124,027 (+30.82%) Land $18,546 Building $105,481 |
| 2023 | $74,900 (-) Land $11,200 Building $63,700 | $94,810 (+3.8%) Land $14,177 Building $80,633 | |
| 2022 | $74,900 Land $11,200 Building $63,700 | $91,341 Land $13,658 Building $77,683 | |
| 2021 | $3,829.00 |
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
| 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.
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 639 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 |
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