Schenectady County and Schenectady City property record for 44 Elm St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,198 sqft · built 1920 |
| Lot Size | 0.108 acres (4,719 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Mar 2026) |
| Tax Bill | $4,789 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.59-4-9 |
| Primary APN | 421500 49.59-4-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,198 sqft Total Area |
| 1st Floor Area | 1,099 sqft |
| 2nd Floor Area | 1,099 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,719 sqft (0.108 acres) |
| Lot Dimensions | 143 ft deep x 33 ft wide |
| Garage Type | Detached |
| Garage Area | 192 sqft |
| Porch | Slab |
| Porch Area | 336 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 44 ELM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1202 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 4 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | Jun 24, 1994 · Amount on Record |
| Deed Document Number | 20265574 |
| Deed Book / Page | 2168 / 219 |
| Prior Transfer Date | Jul 31, 2013 |
| Prior Transfer Doc | 0000035806 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 16, 2026 |
| Property Address | 44 ELM ST, SCHENECTADY, NY 12304-1202 |
| Document Number | 0000005574 |
| Instrument Date | Mar 16, 2026 |
| Instrument | 202605574 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 44 ELM ST, SCHENECTADY, NY 12304-1202 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6 WHITE ST, SCHENECTADY, NY 12308-3319 |
| Document Number | 0000005575 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 202605575 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
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 | $4,789.00 (+5.32%) Homeowner's exemption | ||
| 2025 | $4,547.00 (+13.22%) | $79,500 (-) Land $11,900 Building $67,600 | $131,644 (+30.82%) Land $19,705 Building $111,939 |
| 2023 | $79,500 (-) Land $11,900 Building $67,600 | $100,633 (+3.8%) Land $15,063 Building $85,570 | |
| 2022 | $79,500 Land $11,900 Building $67,600 | $96,951 Land $14,512 Building $82,439 | |
| 2021 | $4,016.00 |
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 924 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 |
May also be available: T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures