Schenectady County and Schenectady City property record for 434 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,400 sqft · built 1920 |
| Lot Size | 0.064 acres (2,822 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Dec 2025) |
| Tax Bill | $5,184 (2026) |
| Deeds & Mortgages | Dec 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.44-2-80 |
| Primary APN | 421500 49.44-2-80 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Total Area |
| 1st Floor Area | 1,296 sqft |
| 2nd Floor Area | 1,104 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 2,822 sqft (0.064 acres) |
| Lot Dimensions | 85.5 ft deep x 33 ft wide |
| Porch | Slab |
| Porch Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 434 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 | AND PT OF 4 REAR OF 2 WOOD |
| Legal Block | 2 |
| Legal Lot Number | 80.000 |
| 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 | 232 MORRIS RD, SCHENECTADY, NY 12303-3469 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on Record |
| Deed Sale | Dec 16, 2025 · Amount on Record |
| Deed Document Number | 202529372 |
| Deed Book / Page | 2162 / 585 |
| Prior Transfer Date | Mar 14, 2001 |
| Prior Transfer Doc | 1598000082 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 16, 2025 |
| Property Address | 434 DIVISION ST, SCHENECTADY, NY 12304-1112 |
| Document Number | 0000029372 |
| Instrument Date | Nov 25, 2025 |
| Instrument | 202529372 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 99 HICKORY RDG, BALLSTON LAKE, NY 12019-2726 |
| Name | Verified Name |
|---|---|
| Address | 232 MORRIS RD, SCHENECTADY, NY 12303-3469 |
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 | $5,184.00 (+3.78%) | ||
| 2025 | $4,995.00 (+8.54%) | $78,900 (-) Land $11,800 Building $67,100 | $130,651 (+13.35%) Land $19,540 Building $111,111 |
| 2024 | $78,900 (-) Land $11,800 Building $67,100 | $115,267 (+15.41%) Land $17,239 Building $98,028 | |
| 2023 | $78,900 (-) Land $11,800 Building $67,100 | $99,873 (+3.8%) Land $14,937 Building $84,936 | |
| 2022 | $78,900 Land $11,800 Building $67,100 | $96,220 Land $14,390 Building $81,830 | |
| 2021 | $4,602.00 |
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 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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