Schenectady County and Schenectady City property record for 431 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,376 sqft · built 1910 |
| Lot Size | 0.132 acres (5,788 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $247,000 (Jan 2023) |
| Tax Bill | $7,398 (2026) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-35 |
| Primary APN | 421500 49.44-2-35 |
|---|---|
| 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 | Wood |
| Lot Area | 5,788 sqft (0.132 acres) |
| Lot Dimensions | 175 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 456 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 431 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1111 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5004 |
| 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 | 431 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2023 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 23, 2020 | Deed of Trust, Mortgage · Commercial Mortgage SUNMARK FCU |
| Sep 17, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Apr 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage BRIAN J WHIPPLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2023 · Amount on Record |
| Deed Sale | Jan 17, 2023 · Amount on Record |
| Prior Sale | Dec 4, 2007 · Amount on Record |
| Deed Document Number | 20232701 |
| Deed Book / Page | 2100 / 879 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 17, 2023 |
| Property Address | 431 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000002701 |
| Book / Page | 2100 / 879 |
| Instrument Date | Dec 16, 2022 |
| Instrument | 202302701 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $988.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 9664, SCHENECTADY, NY 12309-0664 |
| Name | Verified Name |
|---|---|
| Address | 901 DRAPER AVE, SCHENECTADY, NY 12306-3000 |
| Document Number | 0000002702 |
|---|---|
| Date | Jan 17, 2023 |
| Instrument | 202302702 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 431 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | PO BOX 9664, SCHENECTADY, NY 12309-0664 |
| Document Number | 0000028633 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 5023/181 |
| Instrument | 202028633 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 15, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 17, 2019 |
| Property Address | 431 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000041488 |
| Book / Page | 002020 / 000119 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 41488 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 9664 SCHENECTADY NY 123090664, SCHENECTADY, NY 12309-0664 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 17, 2017 |
| Property Address | 431 DIVISION ST, SCHENECTADY, NY 12304-1111 |
| Document Number | 0000016858 |
| Book / Page | 001960 / 000936 |
| Instrument Date | Apr 12, 2017 |
| Instrument | 16858 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $252.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1121 EARL AVE SCHENECTADY NY 123095621, SCHENECTADY, NY 12309-5621 |
| Document Number | 16859 |
|---|---|
| Date | Apr 17, 2017 |
| Book Page | 004755/000388 |
| Instrument | 16859 |
| Name | BRIAN J WHIPPLE |
|---|---|
| Address | 5 BERKSHIRE DR, BALLSTON SPA, NY 12020-2497 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 16, 2018 |
| Rate | 5% |
|---|
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 | $7,398.00 (+2.85%) | ||
| 2025 | $7,193.00 (+47.01%) | $128,000 (+55.72%) Land $12,300 Building $115,700 | $211,956 (+103.7%) Land $20,368 Building $191,588 |
| 2023 | $82,200 (-) Land $12,300 Building $69,900 | $104,051 (+3.8%) Land $15,570 Building $88,481 | |
| 2022 | $82,200 Land $12,300 Building $69,900 | $100,244 Land $15,000 Building $85,244 | |
| 2021 | $4,893.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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