Schenectady County and Schenectady City property record for 440 Fourth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,408 sqft · built 1910 |
| Lot Size | 0.103 acres (4,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,500 (Mar 2024) |
| Tax Bill | $4,710 (2026) |
| Deeds & Mortgages | Jul 2024 Sale & Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.52-1-44 |
| Primary APN | 421500 48.52-1-44 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 728 sqft |
| 2nd Floor Area | 680 sqft |
| Basement Area | 364 sqft |
| Finished Basement | 364 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,500 sqft (0.103 acres) |
| Lot Dimensions | 150 ft deep x 30 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 192 sqft |
| Patio Area | 196 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 440 FOURTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-5018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 44.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1003 |
| 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 | 440 FOURTH ST, SCHENECTADY, NY 12306-5018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 25, 2024 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Apr 19, 2017 | Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2024 · Amount on Record |
| Deed Sale | Mar 8, 2024 · Amount on Record |
| Prior Sale | Mar 8, 2024 · Amount on Record |
| Deed Document Number | 202414376 |
| Deed Book / Page | 2126 / 873 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 25, 2024 |
| Property Address | 440 FOURTH ST, SCHENECTADY, NY 12306-5018 |
| Document Number | 0000043651 |
| Book / Page | 2134 / 414 |
| Instrument Date | Jul 9, 2024 |
| Instrument | 202443651 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $780.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 S WESTCOTT RD, SCHENECTADY, NY 12306-9408 |
| Name | Verified Name |
|---|---|
| Address | 199 STATE ST, ALBANY, NY 12207-1621 |
| Document Number | 0000043652 |
|---|---|
| Date | Jul 25, 2024 |
| Instrument | 202443652 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 303 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 19, 2017 |
| Property Address | 440 FOURTH ST, SCHENECTADY, NY 12306-5018 |
| Document Number | 0000017510 |
| Book / Page | 1961 / 068 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 201717510 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | STEWART TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $312.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 942 FLORENCE AVE, 942, SCHENECTADY, NY 12303-1506 |
| Name | Verified Name |
|---|---|
| Address | 440 FOURTH ST, SCHENECTADY, NY 12306-5018 |
| Document Number | 0000017515 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 201717515 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $4,710.00 (+2.37%) | ||
| 2025 | $4,601.00 (+10.95%) | $84,500 (-) Land $13,800 Building $70,700 | $139,924 (+30.82%) Land $22,851 Building $117,073 |
| 2023 | $84,500 (-) Land $13,800 Building $70,700 | $106,962 (+3.8%) Land $17,468 Building $89,494 | |
| 2022 | $84,500 Land $13,800 Building $70,700 | $103,049 Land $16,829 Building $86,220 | |
| 2021 | $4,147.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 |
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