Schenectady County and Schenectady City property record for 435 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,038 sqft · built 1960 |
| Lot Size | 0.206 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,561 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.62-1-14 |
| Primary APN | 421500 60.62-1-14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Living Area |
| 1st Floor Area | 1,038 sqft |
| Basement Area | 1,038 sqft |
| Finished Basement | 1,038 sqft |
| Unfinished Basement | 1,038 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,000 sqft (0.206 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Patio Area | 28 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 435 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | PART OF 197 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 14.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4029 |
| Census Tract | 21802 |
435 Clayton Rd, a single family home, is owned by two individuals.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 437 CLAYTON RD, SCHENECTADY, NY 12304-3820 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 435 CLAYTON RD, SCHENECTADY, NY 12304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000058153 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 4809/896 |
| Instrument | 201758153 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 15, 2027 |
The 2026 property tax bill for 435 Clayton Rd was $5,561, up 3.1% from the year before.
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 | $5,561.00 (+3.08%) | ||
| 2025 | $5,395.00 | $108,500 Land $16,300 Building $92,200 | $179,666 Land $26,991 Building $152,675 |
| 2023 | $108,500 (-) Land $16,300 Building $92,200 | $137,342 (+3.8%) Land $20,633 Building $116,709 | |
| 2022 | $108,500 Land $16,300 Building $92,200 | $132,317 Land $19,878 Building $112,439 | |
| 2021 | $5,159.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 Clayton Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 435 Clayton Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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.
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 619 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 | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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