Schenectady County and Schenectady City property record for 435 Seneca St, Schenectady, NY 12308 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,978 sqft · built 1900 |
| Lot Size | 0.06 acres (2,626 sqft) |
| Owner | Company Name on File |
| Last Sale | $125,000 (Dec 2022) |
| Tax Bill | $4,471 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.35-1-12 |
| Primary APN | 421500 39.35-1-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,978 sqft Total Area |
| 1st Floor Area | 1,127 sqft |
| 2nd Floor Area | 851 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,626 sqft (0.06 acres) |
| Lot Dimensions | 101 ft deep x 26 ft wide |
| Porch | Slab |
| Porch Area | 180 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 435 SENECA ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1125 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 2 WOOD |
| Legal Subdivision | GEORGE W ELY |
| Legal Block | 1 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 20200 |
Source: Schenectady County and Schenectady City records · APN 421500 39.35-1-12
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 | Company Name on File |
|---|---|
| Mailing Address | 221 HARBORSIDE DR, 315, SCHENECTADY, NY 12305-1077 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 05, 2022 | Warranty Deed, Transfer · Commercial Mortgage TRUSTCO BANK |
| Mar 27, 2018 | Deed of Trust, Mortgage · FHA Mortgage SUNMARK FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2022 · Amount on Record |
| Deed Sale | Dec 05, 2022 · Amount on Record |
| Prior Sale | Feb 05, 2016 · Amount on Record |
| Deed Document Number | 202263667 |
| Deed Book / Page | 2098 / 441 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 05, 2022 |
| Property Address | 435 SENECA ST, SCHENECTADY, NY 12308-1125 |
| Document Number | 0000063667 |
| Book / Page | 2098 / 441 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 202263667 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 218 PALMER AVE, CORINTH, NY 12822-1214 |
| Name | Verified Name |
|---|---|
| Address | 112 TIMOTHY LN, SCHENECTADY, NY 12303-5185 |
| Document Number | 0000063668 |
|---|---|
| Date | Dec 05, 2022 |
| Instrument | 202263668 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 435 SENECA ST, SCHENECTADY, NY 12308-1125 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000013069 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 4827/435 |
| Instrument | 201813069 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
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 | $4,471.00 (+9.5%) | $66,100 (-) Land $9,900 Building $56,200 | $109,455 (+30.82%) Land $16,393 Building $93,062 |
| 2023 | $66,100 (-) Land $9,900 Building $56,200 | $83,671 (+3.8%) Land $12,532 Building $71,139 | |
| 2022 | $66,100 Land $9,900 Building $56,200 | $80,610 Land $12,073 Building $68,537 | |
| 2021 | $4,083.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930202001, refreshed September 2026 · 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 |
| Nearby Flood Claims | 2 (1978) |
| Most Recent Claim | Jan 1978, rainfall accumulation |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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