Schenectady County and Schenectady City property record for 449 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 996 sqft · built 1920 |
| Lot Size | 0.139 acres (6,075 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $86,500 (Jun 2018) |
| Tax Bill | $2,622 (2026) |
| Deeds & Mortgages | Oct 2025 Transfer Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.66-2-2 |
| Primary APN | 421500 48.66-2-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 996 sqft Living Area |
| 1st Floor Area | 996 sqft |
| Upper Floors Area | 386 sqft |
| Attic | Attic |
| Attic Area | 386 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,075 sqft (0.139 acres) |
| Lot Dimensions | 135 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 197 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 449 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 1 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 21200 |
449 Twelfth St is owner-occupied and held in a trust since September 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 449 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2025 | Intrafamily Transfer, Transfer |
| Jun 21, 2018 | Deed, Transfer · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2018 · Amount on File |
| Deed Sale | Jun 21, 2018 · Amount on File |
| Deed Document Number | 201827318 |
| Deed Book / Page | 1989 / 748 |
| Last Transfer Date | Sep 26, 2025 |
| Transfer Doc | 0000023968 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 6, 2025 |
| Property Address | 449 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000023968 |
| Instrument Date | Oct 6, 2025 |
| Instrument | 202523968 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 449 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 21, 2018 |
| Property Address | 449 TWELFTH ST, SCHENECTADY, NY 12306-3111 |
| Document Number | 0000027318 |
| Book / Page | 1989 / 748 |
| Instrument Date | May 25, 2018 |
| Instrument | 201827318 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | STEWART TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $346.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 449 TWELFTH ST, 449, SCHENECTADY, NY 12306-3111 |
| Name | Verified Name |
|---|---|
| Address | 38 MARIAVILLE RD, SCHENECTADY, NY 12306-1312 |
| Document Number | 0000027319 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 4845/230 |
| Instrument | 201827319 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
The 2026 property tax bill for 449 Twelfth St was $2,622 with exemptions applied, up 2.7% 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 | $2,622.00 (+2.66%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $2,554.00 | $96,000 (-) Land $15,000 Building $81,000 | $158,967 (+13.35%) Land $24,839 Building $134,128 |
| 2024 | $96,000 (-) Land $15,000 Building $81,000 | $140,248 (+15.41%) Land $21,914 Building $118,334 | |
| 2023 | $96,000 (-) Land $15,000 Building $81,000 | $121,519 (+3.8%) Land $18,987 Building $102,532 | |
| 2022 | $96,000 Land $15,000 Building $81,000 | $117,073 Land $18,293 Building $98,780 | |
| 2021 | $4,168.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 Twelfth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 449 Twelfth St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| 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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