464 Kings Rd, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 464 Kings Rd, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 835 sqft · built 1940
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,423 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 60.61-2-48`

Property Details

APN / Parcel Number

Primary APN	`421500 60.61-2-48`
Alternative APN	`150006006100020480000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	835 sqft Living Area
1st Floor Area	593 sqft
Upper Floors Area	242 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	150 ft deep x 52 ft wide
Porch	Slab
Porch Area	217 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	464 KINGS RD
City	SCHENECTADY
State	NY
Zip	12304-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	1 WOOD
Legal Block	2
Legal Lot Number	48.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2019
Census Tract	21802

Owner

464 Kings Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	464 KINGS RD, SCHENECTADY, NY 12304-3648
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Nov 26, 2018	Deed of Trust, Mortgage THE FIRST NEW YORK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	464 KINGS RD, SCHENECTADY, NY 12304-3648
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062655
Date	Dec 13, 2021
Book Page	5178/379
Instrument	202162655

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	464 KINGS RD, SCHENECTADY, NY 12304-3648
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051666
Date	Nov 26, 2018
Book Page	4879/902
Instrument	201851666

Lender

Name	THE FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 464 Kings Rd was $4,423 with a homeowner's exemption, up 3.9% from the year before.

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	$4,423.00 (+3.85%) Homeowner's exemption
2025	$4,259.00	$92,300 Land $13,800 Building $78,500	$152,840 Land $22,851 Building $129,989
2023		$92,300 (-) Land $13,800 Building $78,500	$116,835 (+3.8%) Land $17,468 Building $99,367
2022		$92,300 Land $13,800 Building $78,500	$112,561 Land $16,829 Building $95,732
2021	$3,892.00

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

Flood

FEMA maps place 464 Kings Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 464 Kings Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 248 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

May also be available: T-Mobile.

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