Schenectady County and Schenectady City property record for 442 Cedar St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,094 sqft · built 1908 |
| Lot Size | 0.12 acres (5,250 sqft) |
| Owner | Company Name on Record |
| Last Sale | $295,000 (Mar 2024) |
| Tax Bill | $7,496 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Dec 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-60 |
| Primary APN | 421500 48.59-2-60 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,094 sqft Total Area |
| 1st Floor Area | 1,047 sqft |
| 2nd Floor Area | 1,047 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,250 sqft (0.12 acres) |
| Lot Dimensions | 150 ft deep x 35 ft wide |
| Porch | Slab |
| Porch Area | 448 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 442 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3100 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Subdivision | LOTS BELONGING TO HASTINGS & SCHOOLCRAFT |
| Legal Block | 2 |
| Legal Lot Number | 60.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 21200 |
Source: Schenectady County and Schenectady City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 8832 191ST ST, HOLLIS, NY 11423-1931 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 26, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M & T BANK |
| Dec 5, 2023 | Warranty Deed, Transfer |
| Nov 14, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2024 · Amount on Record |
| Deed Sale | Mar 26, 2024 · Amount on Record |
| Prior Sale | Nov 14, 2022 · Amount on Record |
| Deed Document Number | 202417912 |
| Deed Book / Page | 2127 / 735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 26, 2024 |
| Property Address | 442 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000017912 |
| Book / Page | 2127 / 735 |
| Map Reference | CAB B-299&300 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 202417912 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8832 191ST ST, HOLLIS, NY 11423-1931 |
| Name | Verified Name |
|---|---|
| Address | 924 CUTLER ST, SCHENECTADY, NY 12303-2010 |
| Document Number | 0000017913 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 202417913 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Number | 0000017914 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 5364/612 |
| Instrument | 202417914 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 5, 2023 |
| Property Address | 442 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000068520 |
| Book / Page | 2120 / 816 |
| Instrument Date | Oct 22, 2023 |
| Instrument | 202368520 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 88 32 191ST STREET, HOLLIS, NY 11423 |
| Name | Verified Name |
|---|---|
| Address | 88 32 191ST STREET, HOLLIS, NY 11423 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 14, 2022 |
| Property Address | 442 CEDAR ST, SCHENECTADY, NY 12306-3100 |
| Document Number | 0000059765 |
| Book / Page | 2096 / 509 |
| Map Reference | CAB B-299&300 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 202259765 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 554, ALTAMONT, NY 12009-0554 |
| Name | Verified Name |
|---|---|
| Address | 8832 191ST ST, HOLLIS, NY 11423-1931 |
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 |
|---|---|---|---|
| 2025 | $7,496.00 (+44.88%) | $140,000 (+19.86%) Land $17,500 Building $122,500 | $231,826 (+56.8%) Land $28,978 Building $202,848 |
| 2023 | $116,800 (-) Land $17,500 Building $99,300 | $147,848 (+3.8%) Land $22,152 Building $125,696 | |
| 2022 | $116,800 Land $17,500 Building $99,300 | $142,439 Land $21,341 Building $121,098 | |
| 2021 | $5,174.00 |
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 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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