Schenectady County and Schenectady City property record for 443 Cedar St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,640 sqft · built 1900 |
| Lot Size | 0.11 acres (4,820 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $58,500 (Apr 2005) |
| Tax Bill | $4,917 (2026) |
| Deeds & Mortgages | Jul 2022 Second Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-39 |
| Primary APN | 421500 48.59-2-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,640 sqft Total Area |
| 1st Floor Area | 820 sqft |
| 2nd Floor Area | 820 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 4,820 sqft (0.11 acres) |
| Lot Dimensions | 137 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 370 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 443 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3115 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED AFFIDAVIT REQUIRED 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 39.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2003 |
| 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 | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES FCU |
| Jul 27, 2022 | Deed of Trust, Mortgage STATE EMPLOYEES FCU |
| May 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SEFCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2005 · Amount on Record |
| Deed Sale | Apr 4, 2005 · Amount on Record |
| Deed Book / Page | 1702 / 448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000039479 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 5244/452 |
| Instrument | 202239479 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000039480 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | 5244/465 |
| Instrument | 202239480 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 443 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000023453 |
| Instrument Date | May 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 443 CEDAR ST SCHENECTADY NY 123063115, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000023453 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 004762/000657 |
| Instrument | 23453 |
| Name | SEFCU |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 25, 2032 |
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 | $4,917.00 (+5.2%) Homeowner's exemption | ||
| 2025 | $4,674.00 (+12.87%) | $82,600 (-) Land $12,400 Building $70,200 | $136,778 (+30.82%) Land $20,533 Building $116,245 |
| 2023 | $82,600 (-) Land $12,400 Building $70,200 | $104,557 (+3.8%) Land $15,696 Building $88,861 | |
| 2022 | $82,600 Land $12,400 Building $70,200 | $100,732 Land $15,122 Building $85,610 | |
| 2021 | $4,141.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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