439 Cedar St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 439 Cedar St, Schenectady, NY 12306 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,016 sqft · built 1910
Lot Size	0.109 acres (4,774 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jun 2018)
Tax Bill	$6,411 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.59-2-38`

Property Details

APN / Parcel Number

Primary APN	`421500 48.59-2-38`
Alternative APN	`150004805900020380000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,016 sqft Total Area
1st Floor Area	1,008 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,774 sqft (0.109 acres)
Lot Dimensions	136 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	672 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	439 CEDAR ST
City	SCHENECTADY
State	NY
Zip	12306-3115
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	2 WOOD AND GARAGE
Legal Subdivision	HASTING AND SCHOOL CRAFT PLOT
Legal Block	2
Legal Lot Number	38.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.59-2-38

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	2 Individual Names on File
Mailing Address	439 CEDAR ST, SCHENECTADY, NY 12306-3115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Mar 19, 2007 · Amount on Record
Deed Document Number	201825532
Deed Book / Page	1989 / 140
Record Updated	Jun 08, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 12, 2018
Property Address	439 CEDAR ST, SCHENECTADY, NY 12306-3115
Document Number	0000025532
Book / Page	1989 / 140
Instrument Date	Jun 05, 2018
Instrument	201825532
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	439 CEDAR ST, 439, SCHENECTADY, NY 12306-3115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2241 PLUMB 1ST ST, BROOKLYN, NY 11229-5770

Mortgage

Document Number	0000025539
Date	Jun 12, 2018
Instrument	201825539

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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	$6,411.00 (+6.76%)	$113,500 (-) Land $17,000 Building $96,500	$187,945 (+30.82%) Land $28,150 Building $159,795
2023		$113,500 (-) Land $17,000 Building $96,500	$143,671 (+3.8%) Land $21,519 Building $122,152
2022		$113,500 Land $17,000 Building $96,500	$138,415 Land $20,732 Building $117,683
2021	$6,005.00

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.