Schenectady County and Schenectady City property record for 438 Cedar St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,344 sqft · built 1890 |
| Lot Size | 0.12 acres (5,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $222,000 (Jun 2024) |
| Tax Bill | $4,966 (2026) |
| Deeds & Mortgages | Jun 2024 Sale & Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-61 |
| Primary APN | 421500 48.59-2-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Total Area |
| 1st Floor Area | 672 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,250 sqft (0.12 acres) |
| Lot Dimensions | 150 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 576 sqft |
| Canopy | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 438 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3100 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | HASTINGS AND SCHOOLCRAFT |
| Legal Block | 2 |
| Legal Lot Number | 61.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1264 EVERGREEN AVE, BRONX, NY 10472-2303 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2024 | Warranty Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES |
| Mar 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on Record |
| Deed Sale | Jun 25, 2024 · Amount on Record |
| Prior Sale | Mar 25, 2019 · Amount on Record |
| Deed Document Number | 202438076 |
| Deed Book / Page | 2133 / 79 |
| Prior Transfer Date | Oct 9, 2015 |
| Prior Transfer Doc | 0000049437 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 25, 2024 |
| Property Address | 438 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000038076 |
| Book / Page | 2133 / 79 |
| Instrument Date | Jun 12, 2024 |
| Instrument | 202438076 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $888.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 438 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Name | Verified Name |
|---|---|
| Address | 1264 EVERGREEN AVE, BRONX, NY 10472-2303 |
| Document Number | 0000038077 |
|---|---|
| Date | Jun 25, 2024 |
| Instrument | 202438077 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 25, 2019 |
| Property Address | 438 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000012883 |
| Book / Page | 2007 / 922 |
| Instrument Date | Mar 20, 2019 |
| Instrument | 201912883 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | NORTHEAST TTL & ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $306.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 438 CEDAR ST, 438, SCHENECTADY, NY 12306-3100 |
| Name | Verified Name |
|---|---|
| Address | 18 AVERY PL, SCHENECTADY, NY 12307 |
| Document Number | 0000012884 |
|---|---|
| Date | Mar 25, 2019 |
| Book Page | 4901/172 |
| Instrument | 201912884 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2039 |
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 | $4,966.00 (+3.93%) | ||
| 2025 | $4,778.00 (+8.91%) | $73,600 (-) Land $11,000 Building $62,600 | $121,874 (+30.82%) Land $18,215 Building $103,659 |
| 2023 | $73,600 (-) Land $11,000 Building $62,600 | $93,165 (+3.8%) Land $13,924 Building $79,241 | |
| 2022 | $73,600 Land $11,000 Building $62,600 | $89,756 Land $13,415 Building $76,341 | |
| 2021 | $4,387.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures