Schenectady County and Schenectady City property record for 43 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,822 sqft · built 1905 |
| Lot Size | 0.064 acres (2,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $49,900 (May 1998) |
| Tax Bill | $3,992 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-5-21 |
| Primary APN | 421500 49.76-5-21 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,822 sqft Living Area |
| 1st Floor Area | 779 sqft |
| 2nd Floor Area | 707 sqft |
| Upper Floors Area | 336 sqft |
| Attic | Attic |
| Attic Area | 336 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,800 sqft (0.064 acres) |
| Lot Dimensions | 70 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 147 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 43 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 5 |
| Legal Lot Number | 21.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3006 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 43 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jan 17, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 1998 · Amount on Record |
| Deed Sale | May 5, 1998 · Amount on Record |
| Deed Book / Page | 1535 / 846 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 43 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000013396 |
|---|---|
| Date | Mar 9, 2023 |
| Book Page | 5293/217 |
| Instrument | 202313396 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 8, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 43 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002507 |
|---|---|
| Date | Jan 17, 2019 |
| Book Page | 4890/420 |
| Instrument | 201902507 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 16, 2034 |
| 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 | $3,992.00 (-12.9%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,583.00 (+8.81%) | $100,200 (-) Land $15,000 Building $85,200 | $165,922 (+30.82%) Land $24,839 Building $141,083 |
| 2023 | $100,200 (-) Land $15,000 Building $85,200 | $126,835 (+3.8%) Land $18,987 Building $107,848 | |
| 2022 | $100,200 Land $15,000 Building $85,200 | $122,195 Land $18,293 Building $103,902 | |
| 2021 | $4,212.00 |
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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