Schenectady County and Schenectady City property record for 437 Arthur St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,238 sqft · built 1910 |
| Lot Size | 0.113 acres (4,950 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Sep 2016) |
| Tax Bill | $6,430 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.51-6-3 |
| Primary APN | 421500 48.51-6-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,238 sqft Total Area |
| 1st Floor Area | 1,101 sqft |
| 2nd Floor Area | 1,137 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,950 sqft (0.113 acres) |
| Lot Dimensions | 150 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 482 sqft |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 437 ARTHUR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3113 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD & GARAGE |
| Legal Block | 6 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21200 |
437 Arthur St, a duplex, is owned and occupied by two individuals who bought it in September 2016.
Source: Schenectady County and Schenectady City records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF ELY |
| Sep 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF ELY |
| Jan 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jan 7, 2019 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2016 · Amount on File |
| Deed Sale | Sep 2, 2016 · Amount on File |
| Prior Sale | Feb 27, 2006 · Amount on File |
| Deed Document Number | 201640315 |
| Deed Book / Page | 1945 / 243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 27, 2026 |
| Property Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000019140 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202619140 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000019140, |
|---|---|
| Date | Aug 27, 2026 |
| Instrument | 202619140 |
| Name | CITY OF ELY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 21, 2026 |
| Property Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000020934 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202620934 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000020934, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 202620934 |
| Name | CITY OF ELY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Aug 20, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000003297 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 437 ARTHUR ST SCHENECTADY NY 123063113, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000003297 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 004891/000296 |
| Instrument | 3297 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 22, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 437 ARTHUR ST, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000004915 |
| Instrument Date | Jan 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 437 ARTHUR ST SCHENECTADY NY 123063113, SCHENECTADY, NY 12306-3113 |
| Document Number | 0000004915 |
|---|---|
| Date | Feb 4, 2019 |
| Book Page | 004892/000836 |
| Instrument | 4915 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2049 |
| Rate | 4.87% |
|---|
The 2026 property tax bill for 437 Arthur St was $6,430, up 3.2% 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 | $6,430.00 (+3.19%) | ||
| 2025 | $6,231.00 | $109,100 Land $16,400 Building $92,700 | $180,659 Land $27,157 Building $153,502 |
| 2023 | $109,100 (-) Land $16,400 Building $92,700 | $138,101 (+3.8%) Land $20,759 Building $117,342 | |
| 2022 | $109,100 Land $16,400 Building $92,700 | $133,049 Land $20,000 Building $113,049 | |
| 2021 | $5,826.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 437 Arthur St in Zone X, an area of minimal flood risk.
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.
The area around 437 Arthur St has no burnable land within ember reach, so its wildfire risk is not rated.
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 508 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 |
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