451 Fourth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 451 Fourth St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,613 sqft · built 1910
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$72,500 (Nov 2002)
Tax Bill	$5,889 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.52-2-23`

Property Details

APN / Parcel Number

Primary APN	`421500 48.52-2-23`
Alternative APN	`150004805200020230000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,613 sqft Living Area
1st Floor Area	1,152 sqft
Upper Floors Area	461 sqft
Attic	Attic
Attic Area	461 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	451 FOURTH ST
City	SCHENECTADY
State	NY
Zip	12306-5017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	171 PART OF EACH 1 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1004
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.52-2-23

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	451 FOURTH ST, SCHENECTADY, NY 12306-5017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 13, 2002 · Amount on Record
Deed Sale	Nov 13, 2002 · Amount on Record
Deed Book / Page	1637 / 791
Record Updated	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 24, 2021
Property Address	451 FOURTH ST, SCHENECTADY, NY 12306-5017
Document Number	0000041534
Book / Page	2065 / 718
Instrument Date	Aug 03, 2021
Instrument	202141534
Transaction Type	Transfer
Record Updated	Sep 08, 2021
Title Company	BENNETT TITLE & ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 FOURTH ST, 451, SCHENECTADY, NY 12306-5017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2014 HUGH ST, SCHENECTADY, NY 12306-4411

Mortgage

Document Number	0000041535
Date	Aug 24, 2021
Instrument	202141535

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2051

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,889.00 (+41.12%)	$114,800 (-) Land $17,200 Building $97,600	$190,098 (+30.82%) Land $28,482 Building $161,616
2023		$114,800 (-) Land $17,200 Building $97,600	$145,316 (+3.8%) Land $21,772 Building $123,544
2022		$114,800 Land $17,200 Building $97,600	$140,000 Land $20,976 Building $119,024
2021	$4,173.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 7, 2014 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 508 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SCHENECTADY CITY WATER WORKS serves 62,000 people
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.