438 Second St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 438 Second St, Schenectady, NY 12306 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1922
Square Footage	941 sqft Living Area
Lot Size	4,500 sqft (0.103 acres)
Occupancy	Owner Occupied
Last Sale	$69,500 (2018)
Tax Bill	$3,989.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 48.52-3-38`
Alternative APN	`150004805200030380000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	941 sqft Living Area
1st Floor	672 sqft 1st Floor
Upper Floors	269 sqft Upper Floors
Attic Area	269 sqft Attic
Attic	1 Attic
Stories	1 Stories

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bungalow Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	4,500 sqft (0.103 acres)
Depth X Width	150 ft x 30 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	360 sqft Garage
Porch Area	256 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	438 SECOND ST
City	SCHENECTADY
State	NY
Zip	12306-5022
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	1 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	38.000
Jurisdiction	SCHENECTADY NY
Minor Civil Division	SCHENECTADY
Census Blockgroup	1
Census Block	1005
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.52-3-38

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	438 SECOND ST, SCHENECTADY, NY 12306-5022
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2022	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 07, 2020	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA
Aug 06, 2018	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2018 · Amount on Record
Deed Sale	Aug 06, 2018 · Amount on Record
Prior Sale	Apr 14, 2008 · Amount on Record
Deed Doc Number	201834551
Deed Book / Page	1992 / 911
Record Refreshed	Jun 08, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	438 SECOND ST, SCHENECTADY, NY 12306-5022
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SECOND ST, SCHENECTADY, NY 12306-5022

Mortgage

Document Number	0000043084
Date	Aug 15, 2022
Book Page	5248/391
Instrument	202243084

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Aug 01, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	438 SECOND ST, SCHENECTADY, NY 12306-5022
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 SECOND ST, SCHENECTADY, NY 12306-5022

Mortgage

Document Number	0000031069
Date	Oct 07, 2020
Book Page	5027/787
Instrument	202031069

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Aug 01, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 06, 2018
Property Address	438 SECOND ST, SCHENECTADY, NY 12306-5022
Document Number	0000034551
Book / Page	1992 / 911
Instrument Date	Jul 30, 2018
Instrument	201834551
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	438 SECOND ST, 438, SCHENECTADY, NY 12306-5022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2869 OLEAN ST, SCHENECTADY, NY 12306-2439

Mortgage

Document Number	0000034552
Date	Aug 06, 2018
Instrument	201834552

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

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	$3,989.00 (+5.7%)	$75,300 (-) Land $11,300 Building $64,000	$124,690 (+30.82%) Land $18,712 Building $105,978
2023		$75,300 (-) Land $11,300 Building $64,000	$95,316 (+3.8%) Land $14,304 Building $81,012
2022		$75,300 Land $11,300 Building $64,000	$91,829 Land $13,780 Building $78,049
2021	$3,774.00

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

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