Schenectady County and Schenectady City property record for 48 Chiswell St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,832 sqft · built 1905 |
| Lot Size | 0.105 acres (4,590 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $298,920 (Jan 2026) |
| Tax Bill | $5,552 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.55-3-33 |
| Primary APN | 421500 60.55-3-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Total Area |
| 1st Floor Area | 916 sqft |
| 2nd Floor Area | 916 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,590 sqft (0.105 acres) |
| Lot Dimensions | 153 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 340 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 48 CHISWELL ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3802 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 33.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 41 FAIRFIELD AVE, ALBANY, NY 12205-3430 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed, Transfer · VA Mortgage ALLIED MORTGAGE GROUP INC |
| Jan 19, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2026 · Amount on Record |
| Deed Sale | Jan 6, 2026 · Amount on Record |
| Prior Sale | Feb 20, 2008 · Amount on Record |
| Deed Document Number | 2026332 |
| Deed Book / Page | 2163 / 960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 6, 2026 |
| Property Address | 48 CHISWELL ST, SCHENECTADY, NY 12304-3802 |
| Document Number | 0000000332 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 202600332 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,196.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1015 MOHEGAN RD, NISKAYUNA, NY 12309-4723 |
| Name | Verified Name |
|---|---|
| Address | 41 FAIRFIELD AVE, ALBANY, NY 12205-3430 |
| Document Number | 0000000333 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 202600333 |
| Name | ALLIED MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 19, 2022 |
| Property Address | 48 CHISWELL ST, SCHENECTADY, NY 12304-3802 |
| Document Number | 0000003157 |
| Book / Page | 2076 / 712 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 202203157 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1184 OUTER DR, SCHENECTADY, NY 12303-3603 |
| Name | Verified Name |
|---|---|
| Address | 1015 MOHEEAN RD, NISKAYUNA, NY 12309-4723 |
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 | $5,552.00 (+3.6%) | ||
| 2025 | $5,359.00 (+7.98%) | $87,800 (-) Land $13,200 Building $74,600 | $145,388 (+13.35%) Land $21,858 Building $123,530 |
| 2024 | $87,800 (-) Land $13,200 Building $74,600 | $128,269 (+15.41%) Land $19,284 Building $108,985 | |
| 2023 | $87,800 (-) Land $13,200 Building $74,600 | $111,139 (+3.8%) Land $16,709 Building $94,430 | |
| 2022 | $87,800 Land $13,200 Building $74,600 | $107,073 Land $16,098 Building $90,975 | |
| 2021 | $4,963.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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