Schenectady County and Schenectady City property record for 456 Clayton Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,664 sqft · built 1953 |
| Lot Size | 0.292 acres (12,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $288,500 (Feb 2024) |
| Tax Bill | $6,853 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.62-2-28 |
| Primary APN | 421500 60.62-2-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 832 sqft |
| 2nd Floor Area | 832 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Lot Area | 12,750 sqft (0.292 acres) |
| Lot Dimensions | 150 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 24 sqft |
| Canopy | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 456 CLAYTON RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AGED AFFIDAVIT REQUIRED 1 BLOCK AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 28.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4030 |
| Census Tract | 21802 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 456 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2024 | Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Apr 19, 2018 | Warranty Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2024 · Amount on Record |
| Deed Sale | Feb 27, 2024 · Amount on Record |
| Prior Sale | Apr 19, 2018 · Amount on Record |
| Deed Document Number | 202411895 |
| Deed Book / Page | 2126 / 216 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 456 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Title Company | NOT AVAILABLE, SPA CITY TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 949 COLUMBIA ST, HUDSON, NY 12534-2644 |
| Investor | Possibly a Property Investor |
| Document Number | 0000011896 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 5360/416 |
| Instrument | 202411896 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 19, 2018 |
| Property Address | 456 CLAYTON RD, SCHENECTADY, NY 12304-3821 |
| Document Number | 0000016417 |
| Book / Page | 1985 / 215 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 201816417 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $640.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 456 CLAYTON RD, 456, SCHENECTADY, NY 12304-3821 |
| Name | Verified Name |
|---|---|
| Address | 101 WATERMAN AVE, ALBANY, NY 12205-3629 |
| Document Number | 0000016418 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 201816418 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10% |
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 | $6,853.00 (+49.34%) | $137,200 (+54.85%) Land $13,300 Building $123,900 | $227,190 (+102.57%) Land $22,024 Building $205,166 |
| 2023 | $88,600 (-) Land $13,300 Building $75,300 | $112,152 (+3.8%) Land $16,835 Building $95,317 | |
| 2022 | $88,600 Land $13,300 Building $75,300 | $108,049 Land $16,220 Building $91,829 | |
| 2021 | $4,589.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 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 |
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