Schenectady County and Schenectady City property record for 451 Cedar St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,232 sqft · built 1920 |
| Lot Size | 0.109 acres (4,778 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $35,000 (Mar 2002) |
| Tax Bill | $4,335 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2018 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.59-2-41 |
| Primary APN | 421500 48.59-2-41 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 770 sqft |
| Upper Floors Area | 462 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,778 sqft (0.109 acres) |
| Lot Dimensions | 136 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 229 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 451 CEDAR ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD & GAR |
| Legal Subdivision | TOWN OF ROTTERDAM |
| Legal Block | 2 |
| Legal Lot Number | 41.000 |
| 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 April 14, 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 Record |
|---|---|
| Mailing Address | 451 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 2, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 31, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2002 · Amount on Record |
| Deed Sale | Mar 25, 2002 · Amount on Record |
| Prior Sale | Sep 28, 2001 · Amount on Record |
| Deed Book / Page | 1620 / 538 |
| Last Transfer Date | Mar 13, 2018 |
| Transfer Doc | 0000029076 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 451 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 451 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000028728 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 5111/688 |
| Instrument | 202128728 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 2, 2018 |
| Property Address | 451 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000029076 |
| Book / Page | 001990 / 000533 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 29076 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 451 CEDAR ST SCHENECTADY NY 123063115, SCHENECTADY, NY 12306-3115 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 451 CEDAR ST, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000026157 |
| Book / Page | 004766 / 000278 |
| Instrument Date | May 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 451 CEDAR ST SCHENECTADY NY 123063115, SCHENECTADY, NY 12306-3115 |
| Document Number | 0000026157 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | 004766/000278 |
| Instrument | 26157 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2047 |
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 | $4,335.00 (+9.08%) | $95,300 (-) Land $14,300 Building $81,000 | $157,808 (+30.82%) Land $23,679 Building $134,129 |
| 2023 | $95,300 (-) Land $14,300 Building $81,000 | $120,633 (+3.8%) Land $18,101 Building $102,532 | |
| 2022 | $95,300 Land $14,300 Building $81,000 | $116,220 Land $17,439 Building $98,781 | |
| 2021 | $3,974.00 |
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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