434 Twelfth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 434 Twelfth St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,218 sqft · built 1940
Lot Size	0.278 acres (12,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Nov 2018)
Tax Bill	$5,375 (2026)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.58-1-20`

Property Details

APN / Parcel Number

Primary APN	`421500 48.58-1-20`
Alternative APN	`150004805800010200000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	12,150 sqft (0.278 acres)
Lot Dimensions	135 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	140 sqft
Porch	Slab
Porch Area	299 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	434 TWELFTH ST
City	SCHENECTADY
State	NY
Zip	12306-3112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	24 1 WOOD AND GARAGE
Legal Subdivision	WILLIAM SCRAFFORD
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3011
Census Tract	21200

Owner

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	2 Individual Names on Record
Mailing Address	434 TWELFTH ST, SCHENECTADY, NY 12306-3112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Feb 25, 2003 · Amount on Record
Deed Document Number	201850716
Deed Book / Page	2000 / 199
Prior Transfer Date	Dec 8, 2015
Prior Transfer Doc	1927000886
Record Updated	Oct 29, 2026

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 16, 2018
Property Address	434 TWELFTH ST, SCHENECTADY, NY 12306-3112
Document Number	0000050716
Book / Page	2000 / 199
Instrument Date	Nov 7, 2018
Instrument	201850716
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 TWELFTH ST, 434, SCHENECTADY, NY 12306-3112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 CUTHBERT ST, SCOTIA, NY 12302-2900

Mortgage

Document Number	0000050717
Date	Nov 16, 2018
Instrument	201850717

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,375.00 (+2.19%)
2025	$5,260.00 (+4.97%)	$102,900 (-) Land $15,400 Building $87,500	$170,392 (+30.82%) Land $25,501 Building $144,891
2023		$102,900 (-) Land $15,400 Building $87,500	$130,253 (+3.8%) Land $19,494 Building $110,759
2022		$102,900 Land $15,400 Building $87,500	$125,488 Land $18,781 Building $106,707
2021	$5,011.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 823 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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