475 Cedar St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 475 Cedar St, Schenectady, NY 12306 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	1 Beds
Bathrooms	1 Baths
Year Built	Built 1930
Square Footage	1,126 sqft Living Area
Lot Size	4,645 sqft (0.106 acres)
Occupancy	Owner Occupied
Last Sale	$53,000 (2014)
Tax Bill	$3,414.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`421500 48.59-2-47`
Alternative APN	`150004805900020470000000`

Interior

Bedrooms	1 Beds
Full Baths	1 Baths
Total Rooms	4 Rooms
Building Area	1,126 sqft Living Area
1st Floor	804 sqft 1st Floor
Upper Floors	322 sqft Upper Floors
Attic Area	322 sqft Attic
Attic	1 Attic
Stories	1 Stories

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Bungalow Style
Exterior Material	Aluminum/Vinyl Exterior
Lot Area	4,645 sqft (0.106 acres)
Depth X Width	132 ft x 35 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	240 sqft Garage
Porch	1 Porch
Porch Area	177 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	475 CEDAR ST
City	SCHENECTADY
State	NY
Zip	12306-3115
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	1 WOOD AND GARAGE
Legal Subdivision	HASTINGS AND SCHOOLCRAFT
Legal Block	2
Legal Lot Number	47.000
Jurisdiction	SCHENECTADY NY
Minor Civil Division	SCHENECTADY
Census Blockgroup	2
Census Block	2003
Census Tract	21200

Owner

Source: Schenectady County and Schenectady City records · APN 421500 48.59-2-47

Assessment roll updated April 14, 2026 · Last verified April 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	475 CEDAR ST, SCHENECTADY, NY 12306-3115
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 19, 2014 · Amount on Record
Deed Sale	Dec 19, 2014 · Amount on Record
Prior Sale	Dec 19, 2014 · Amount on Record
Deed Book / Page	1906 / 789
Prior Transfer Date	Oct 13, 2000
Prior Transfer Doc	1589000381
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	475 CEDAR ST, SCHENECTADY, NY 12306-3115
Transaction Type	Mortgage
Record Updated	May 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 CEDAR ST, SCHENECTADY, NY 12306-3115

Mortgage

Document Number	0000040129
Date	Aug 17, 2021
Book Page	5132/208
Instrument	202140129

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 12, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 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	$3,414.00 (+11.5%)	$72,800 (-) Land $10,900 Building $61,900	$120,550 (+30.82%) Land $18,049 Building $102,501
2023		$72,800 (-) Land $10,900 Building $61,900	$92,152 (+3.8%) Land $13,797 Building $78,355
2022		$72,800 Land $10,900 Building $61,900	$88,780 Land $13,293 Building $75,487
2021	$3,062.00

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	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.