46 Spruce St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 46 Spruce St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,504 sqft · built 1910
Lot Size	0.08 acres (3,520 sqft)
Owner	Individual Name on Record
Tax Bill	$4,626 (2025)
Flood Zone	Zone X (minimal risk)
APN	`421500 49.76-5-35`

Property Details

APN / Parcel Number

Primary APN	`421500 49.76-5-35`
Alternative APN	`150004907600050350000000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	740 sqft
2nd Floor Area	764 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,520 sqft (0.08 acres)
Lot Dimensions	88 ft deep x 40 ft wide
Porch	Slab
Porch Area	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	46 SPRUCE ST
City	SCHENECTADY
State	NY
Zip	12304-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WD AND STU
Legal Block	5
Legal Lot Number	35.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3007
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of August 4, 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	46 SPRUCE ST, SCHENECTADY, NY 12304-1403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

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
2025	$4,626.00 (+9.28%)	$97,800 (-) Land $14,700 Building $83,100	$161,947 (+30.82%) Land $24,342 Building $137,605
2023		$97,800 (-) Land $14,700 Building $83,100	$123,797 (+3.8%) Land $18,608 Building $105,189
2022		$97,800 Land $14,700 Building $83,100	$119,268 Land $17,927 Building $101,341
2021	$4,233.00

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

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.

Wildfire

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

Wildfire Risk	Low lower than 96% of the US · lower than 95% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880