Schenectady County and Schenectady City property record for 448 Elm St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,866 sqft · built 1992 |
| Lot Size | 0.94 acres (40,964 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,900 (Mar 1993) |
| Tax Bill | $8,974 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 50.45-1-39 |
| Primary APN | 421500 50.45-1-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,866 sqft Living Area |
| 1st Floor Area | 1,137 sqft |
| Upper Floors Area | 729 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 40,964 sqft (0.94 acres) |
| Lot Dimensions | 209 ft deep x 196 ft wide |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 514 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 448 ELM ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1.5 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 5 |
| Census Block | 5006 |
| Census Tract | 20700 |
448 Elm St is owned and occupied by two individuals who bought it in March 1993.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 448 ELM ST, SCHENECTADY, NY 12304-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 1993 · Amount on File |
| Deed Sale | Mar 17, 1993 · Amount on File |
| Deed Book / Page | 1373 / 91 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 448 ELM ST, SCHENECTADY, NY 12304-1210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005356 |
|---|---|
| Date | Feb 2, 2018 |
| Book Page | 4817/060 |
| Instrument | 201805356 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2033 |
The 2026 property tax bill for 448 Elm St was $8,974 with a homeowner's exemption, up 2.2% from the year before.
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 | $8,974.00 (+2.22%) Homeowner's exemption | ||
| 2025 | $8,779.00 | $193,400 Land $29,000 Building $164,400 | $320,252 Land $48,021 Building $272,231 |
| 2023 | $193,400 (-) Land $29,000 Building $164,400 | $244,810 (+3.8%) Land $36,709 Building $208,101 | |
| 2022 | $193,400 Land $29,000 Building $164,400 | $235,854 Land $35,366 Building $200,488 | |
| 2021 | $8,333.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 448 Elm St in Zone X, an area of minimal flood risk.
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.
The area around 448 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.
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 637 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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