Schenectady County and Schenectady City property record for 435 Cedar St, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,672 sqft · built 1920 |
| Lot Size | 0.111 acres (4,865 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,802 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-37 |
| Primary APN | 421500 48.59-2-37 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,672 sqft Total Area |
| 1st Floor Area | 836 sqft |
| 2nd Floor Area | 836 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,865 sqft (0.111 acres) |
| Lot Dimensions | 139 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 435 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3115 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2 WOOD |
| Legal Subdivision | HASTING AND SCHOOL CRAFT PLOT |
| Legal Block | 2 |
| Legal Lot Number | 37.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 21200 |
Source: Schenectady County and Schenectady City records · APN 421500 48.59-2-37
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 435 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 08, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 09, 2021 | Warranty Deed, Transfer · FHA Mortgage SUNMARK FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jul 25, 2000 |
| Transfer Doc | 1584000149 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 435 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 435 CEDAR ST 437, 437, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000064689 |
|---|---|
| Date | Dec 08, 2022 |
| Book Page | 5277/133 |
| Instrument | 202264689 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 26, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 09, 2021 |
| Property Address | 435 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000009301 |
| Book / Page | 2053 / 752 |
| Instrument Date | Mar 02, 2021 |
| Instrument | 202109301 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | MARKET TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $670.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2241 PLUMB 1ST ST, 2241, BROOKLYN, NY 11229-5770 |
| Name | Verified Name |
|---|---|
| Address | 1864 EASTERN PKWY, SCHENECTADY, NY 12309-6124 |
| Document Number | 0000009302 |
|---|---|
| Date | Mar 09, 2021 |
| Book Page | 5076/324 |
| Instrument | 202109302 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,802.00 (-7.74%) | $82,100 (-) Land $12,300 Building $69,800 | $135,950 (+30.82%) Land $20,368 Building $115,582 |
| 2023 | $82,100 (-) Land $12,300 Building $69,800 | $103,924 (+3.8%) Land $15,570 Building $88,354 | |
| 2022 | $82,100 Land $12,300 Building $69,800 | $100,122 Land $15,000 Building $85,122 | |
| 2021 | $4,121.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fiber | 980 / 880 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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