470 Cedar St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 470 Cedar St, Schenectady, NY 12306 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,742 sqft · built 1920
Lot Size	0.12 acres (5,250 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Feb 2003)
Tax Bill	$5,498 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.59-2-53`

Property Details

APN / Parcel Number

Primary APN	`421500 48.59-2-53`
Alternative APN	`150004805900020530000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,742 sqft Living Area
1st Floor Area	1,143 sqft
2nd Floor Area	599 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,250 sqft (0.12 acres)
Lot Dimensions	150 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	329 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	470 CEDAR ST
City	SCHENECTADY
State	NY
Zip	12306-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 WOOD AND GARAGE
Legal Block	2
Legal Lot Number	53.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2011
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.59-2-53

Assessment roll updated April 14, 2026 · Last verified August 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	470 CEDAR ST, SCHENECTADY, NY 12306-3100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Jan 05, 2022	Bargain and Sale Deed, Transfer · Conventional Mortgage SUNMARK FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 28, 2003 · Amount on Record
Deed Sale	Feb 28, 2003 · Amount on Record
Prior Sale	Jan 08, 1999 · Amount on Record
Deed Book / Page	1645 / 545
Last Transfer Date	Jan 09, 2006
Transfer Doc	1724000947
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 31, 2026
Property Address	470 CEDAR ST, SCHENECTADY, NY 12306-3100
Document Number	0000017166
Instrument Date	Jul 23, 2026
Instrument	202617166
Transaction Type	Mortgage
Record Updated	Aug 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 CEDAR ST, SCHENECTADY, NY 12306-3100

Mortgage

Document Number	0000017166,
Date	Jul 31, 2026
Instrument	202617166

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 25, 2046

Interest

Rate	6.49%
Max Rate	-1%

January 2022: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 05, 2022
Property Address	470 CEDAR ST, SCHENECTADY, NY 12306-3100
Document Number	0000000605
Book / Page	2075 / 381
Map Reference	CAB C-211
Instrument Date	Nov 29, 2021
Instrument	202200605
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	FORD & REALE TITLE SVCS LLC, FORD AND REALE TTL SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	470 CEDAR ST, 470, SCHENECTADY, NY 12306-3100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 CEDAR ST, SCHENECTADY, NY 12306-3100

Mortgage

Document Number	0000000606
Date	Jan 05, 2022
Instrument	202200606

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified August 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	$5,498.00 (+219.84%)	$106,400 (-) Land $16,000 Building $90,400	$176,188 (+30.82%) Land $26,494 Building $149,694
2023		$106,400 (-) Land $16,000 Building $90,400	$134,684 (+3.8%) Land $20,253 Building $114,431
2022		$106,400 Land $16,000 Building $90,400	$129,756 Land $19,512 Building $110,244
2021	$1,719.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 508 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fiber	980 / 880

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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