Schenectady County and Schenectady City property record for 441 Chadwick Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,379 sqft · built 1995 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $93,528 (Jan 1995) |
| Tax Bill | $7,249 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-54 |
| Primary APN | 421500 60.70-3-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,379 sqft Living Area |
| 1st Floor Area | 879 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 140 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 351 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 180 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 441 CHADWICK RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | RAISED RANCH |
| Legal Subdivision | REVISED MAP OF WOODLAWN |
| Legal Block | 3 |
| Legal Lot Number | 54.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records · APN 421500 60.70-3-54
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 | 441 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Nov 19, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage FIRST NEW YORK FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 09, 1995 · Amount on Record |
| Deed Sale | Jan 09, 1995 · Amount on Record |
| Deed Book / Page | 1446 / 72 |
| Last Transfer Date | Oct 18, 2019 |
| Transfer Doc | 0000052211 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 441 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000009203 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | 5290/3 |
| Instrument | 202309203 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 15, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 19, 2019 |
| Property Address | 441 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000052211 |
| Book / Page | 2024 / 769 |
| Map Reference | CAB 1 MAP 350 |
| Instrument Date | Oct 18, 2019 |
| Instrument | 201952211 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 441 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000052212 |
|---|---|
| Date | Nov 19, 2019 |
| Instrument | 201952212 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
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 | $7,249.00 (+4.71%) | $149,100 (-) Land $22,400 Building $126,700 | $246,895 (+13.35%) Land $37,092 Building $209,803 |
| 2024 | $149,100 (-) Land $22,400 Building $126,700 | $217,823 (+15.41%) Land $32,725 Building $185,098 | |
| 2023 | $149,100 (-) Land $22,400 Building $126,700 | $188,734 (+3.8%) Land $28,354 Building $160,380 | |
| 2022 | $149,100 Land $22,400 Building $126,700 | $181,829 Land $27,317 Building $154,512 | |
| 2021 | $6,923.00 |
Source: FEMA National Flood Hazard Layer as of January 7, 2014 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 619 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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