Schenectady County and Schenectady City property record for 430 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,084 sqft · built 1920 |
| Lot Size | 0.119 acres (5,214 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $85,000 (May 1993) |
| Tax Bill | $5,151 (2026) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-79 |
| Primary APN | 421500 49.44-2-79 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,084 sqft Total Area |
| 1st Floor Area | 1,042 sqft |
| 2nd Floor Area | 1,042 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 5,214 sqft (0.119 acres) |
| Lot Dimensions | 158 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 226 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 430 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1112 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 STUCCO AND GAR |
| Legal Block | 2 |
| Legal Lot Number | 79.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5005 |
| 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 | 426 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 1993 · Amount on Record |
| Deed Sale | May 3, 1993 · Amount on Record |
| Deed Book / Page | 1377 / 214 |
| Prior Transfer Date | Apr 2, 1993 |
| Prior Transfer Doc | 1377000214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 3, 2022 |
| Property Address | 430 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000000090 |
| Book / Page | 2074 / 954 |
| Instrument Date | Dec 21, 2021 |
| Instrument | 202200090 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE INS CO UPSTATE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $492.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 STARK ST, HOOSICK FALLS, NY 12090-2209 |
| Name | Verified Name |
|---|---|
| Address | 426 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000000091 |
|---|---|
| Date | Jan 3, 2022 |
| Instrument | 202200091 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
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 | $5,151.00 (+3.81%) | ||
| 2025 | $4,962.00 (+8.58%) | $78,100 (-) Land $11,700 Building $66,400 | $129,326 (+30.82%) Land $19,374 Building $109,952 |
| 2023 | $78,100 (-) Land $11,700 Building $66,400 | $98,861 (+3.8%) Land $14,810 Building $84,051 | |
| 2022 | $78,100 Land $11,700 Building $66,400 | $95,244 Land $14,268 Building $80,976 | |
| 2021 | $4,570.00 |
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 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 |
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