Schenectady County and Schenectady City property record for 434 Cedar St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,528 sqft · built 1900 |
| Lot Size | 0.084 acres (3,675 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $219,900 (Oct 2025) |
| Tax Bill | $5,036 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jun 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-62 |
| Primary APN | 421500 48.59-2-62 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,528 sqft Living Area |
| 1st Floor Area | 764 sqft |
| 2nd Floor Area | 764 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,675 sqft (0.084 acres) |
| Lot Dimensions | 105 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 286 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 434 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3100 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 1X WOOD |
| Legal Subdivision | HASTINGS AND SCHOOLCRAFT |
| Legal Block | 2 |
| Legal Lot Number | 62.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21200 |
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 | 2429 CAMPBELL AVE, 2, SCHENECTADY, NY 12306-3203 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed, Transfer · Conventional Mortgage SIDNEY FCU |
| Jun 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 23, 2018 | Grant Deed, Transfer FIDELITY NATIONAL TITLE |
| Mar 8, 2018 | Trustee's Deed, Foreclosure REO AMERICA ABSTRACT INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2025 · Amount on Record |
| Deed Sale | Oct 16, 2025 · Amount on Record |
| Prior Sale | Jun 15, 2022 · Amount on Record |
| Deed Document Number | 202524712 |
| Deed Book / Page | 2159 / 143 |
| Prior Transfer Date | Feb 22, 2018 |
| Prior Transfer Doc | 0000010246 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 16, 2025 |
| Property Address | 434 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000024712 |
| Instrument Date | Oct 1, 2025 |
| Instrument | 202524712 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $888.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 434 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Name | Verified Name |
|---|---|
| Address | 2429 CAMPBELL AVE # 2, 2, SCHENECTADY, NY 12306-3203 |
| Document Number | 0000024713 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 202524713 |
| Name | SIDNEY FCU |
|---|---|
| Type | Credit Union |
| Address | SIDNEY, NY 13838 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Nov 1, 2035 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 15, 2022 |
| Property Address | 434 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000031687 |
| Book / Page | 2086 / 633 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 202231687 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12808 107TH AVE, 12808, S RICHMOND HL, NY 11419-3006 |
| Name | Verified Name |
|---|---|
| Address | 17 RODGER DR, LATHAM, NY 12110-4918 |
| Investor | Possibly a Property Investor |
| Document Number | 0000031688 |
|---|---|
| Date | Jun 15, 2022 |
| Instrument | 202231688 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 23, 2018 |
| Property Address | 434 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000032267 |
| Book / Page | 001991 / 000984 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 32267 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $144.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12808 107TH AVE SOUTH RICHMOND HILL NY 114193006, SOUTH RICHMOND HILL, NY 11419-3006 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 8, 2018 |
| Property Address | 434 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000010246 |
| Book / Page | 001982 / 000755 |
| Instrument Date | Feb 22, 2018 |
| Instrument | 10246 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 13, 2018 |
| Title Company | REO AMERICA ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $140.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 434 CEDAR ST SCHENECTADY NY 123063100, SCHENECTADY, NY 12306-3100 |
| Investor | Possibly a Property Investor |
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 | $5,036.00 (+7.4%) | ||
| 2025 | $4,689.00 (+4.97%) | $92,400 (-) Land $13,900 Building $78,500 | $153,005 (+13.35%) Land $23,017 Building $129,988 |
| 2024 | $92,400 (-) Land $13,900 Building $78,500 | $134,989 (+15.41%) Land $20,307 Building $114,682 | |
| 2023 | $92,400 (-) Land $13,900 Building $78,500 | $116,962 (+3.8%) Land $17,595 Building $99,367 | |
| 2022 | $92,400 Land $13,900 Building $78,500 | $112,683 Land $16,951 Building $95,732 | |
| 2021 | $4,467.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 508 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 |
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