455 Clayton Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 455 Clayton Rd, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 871 sqft · built 1952
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Nov 2021)
Tax Bill	$4,154 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.62-1-17`

Property Details

APN / Parcel Number

Primary APN	`421500 60.62-1-17`
Alternative APN	`150006006200010170000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	871 sqft Living Area
1st Floor Area	871 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	150 ft deep x 40 ft wide
Garage Type	Mixed
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Canopy	27 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	455 CLAYTON RD
City	SCHENECTADY
State	NY
Zip	12304-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 WOOD & GARAGE AND CARPORT
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4029
Census Tract	21802

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	455 CLAYTON RD, SCHENECTADY, NY 12304-3820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Prior Sale	Aug 3, 2009 · Amount on Record
Deed Document Number	202155943
Deed Book / Page	2071 / 112
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 8, 2021
Property Address	455 CLAYTON RD, SCHENECTADY, NY 12304-3820
Document Number	0000055943
Book / Page	2071 / 112
Instrument Date	Oct 8, 2021
Instrument	202155943
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 CLAYTON RD, SCHENECTADY, NY 12304-3820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4207 COURT ROYALE APT 10, 10, SCHENECTADY, NY 12304-4818
Investor	Possibly a Property Investor

Mortgage

Document Number	0000055944
Date	Nov 8, 2021
Instrument	202155944

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,154.00 (+2.62%)
2025	$4,048.00 (+25.91%)	$75,600 (-) Land $13,800 Building $61,800	$125,186 (+30.82%) Land $22,851 Building $102,335
2023		$75,600 (-) Land $13,800 Building $61,800	$95,696 (+3.8%) Land $17,468 Building $78,228
2022		$75,600 Land $13,800 Building $61,800	$92,195 Land $16,829 Building $75,366
2021	$3,215.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 619 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	980 / 880
T-Mobile Fixed Wireless	100 / 20