Schenectady County and Schenectady City property record for 470 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,600 sqft · built 1915 |
| Lot Size | 0.278 acres (12,150 sqft) |
| Owner | Individual Name on File |
| Last Sale | $302,000 (Feb 2025) |
| Tax Bill | $3,850 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.66-1-15 |
| Primary APN | 421500 48.66-1-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 933 sqft |
| 2nd Floor Area | 667 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 12,150 sqft (0.278 acres) |
| Lot Dimensions | 135 ft deep x 90 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 412 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 470 TWELFTH ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-3112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 14 2 BRICK AND GARAGE 0001620530 55,000 |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
470 Twelfth St is owned and occupied by an individual who bought it in February 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1060 AVON RD, SCHENECTADY, NY 12308-2404 |
| 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.
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Sep 6, 2023 | Warranty Deed, Transfer STEWART TITLE, STEWART TITLE INS CO UPSTATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 13, 2025 · Amount on File |
| Deed Sale | Feb 13, 2025 · Amount on File |
| Prior Sale | Sep 6, 2023 · Amount on File |
| Deed Document Number | 20253422 |
| Deed Book / Page | 2144 / 279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 6, 2026 |
| Property Address | 470 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000017552 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202617552 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 470 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000017552, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 202617552 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 6, 2023 |
| Property Address | 470 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000050327 |
| Book / Page | 2115 / 264 |
| Instrument Date | Aug 3, 2023 |
| Instrument | 202350327 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | STEWART TITLE, STEWART TITLE INS CO UPSTATE |
| Amount | Amount on Record |
|---|---|
| Tax | $470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 470 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Name | Verified Name |
|---|---|
| Address | 34 COLUMBIA ST, SCHENECTADY, NY 12308-3326 |
The 2026 property tax bill for 470 Twelfth St was $3,850 with exemptions applied, down 40.9% from the year before.
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 |
|---|---|---|---|
| 2026 | $3,850.00 (-40.93%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $6,518.00 | $124,400 Land $18,700 Building $105,700 | $205,994 Land $30,965 Building $175,029 |
| 2023 | $124,400 (-) Land $18,700 Building $105,700 | $157,468 (+3.8%) Land $23,671 Building $133,797 | |
| 2022 | $124,400 Land $18,700 Building $105,700 | $151,707 Land $22,805 Building $128,902 | |
| 2021 | $5,627.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 470 Twelfth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 470 Twelfth St 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 99.1% of the US · lower than 99.2% 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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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