Schenectady County and Schenectady City property record for 480 Twelfth St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,243 sqft · built 1920 |
| Lot Size | 0.139 acres (6,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Nov 2021) |
| Tax Bill | $5,801 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.66-1-16 |
| Primary APN | 421500 48.66-1-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,243 sqft Living Area |
| 1st Floor Area | 888 sqft |
| Upper Floors Area | 355 sqft |
| Attic | Attic |
| Attic Area | 355 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,075 sqft (0.139 acres) |
| Lot Dimensions | 135 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 392 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 480 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 | 1 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 21200 |
480 Twelfth St is owned and occupied by an individual who bought it in November 2021.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 480 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| 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 |
|---|---|
| Nov 4, 2021 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU |
| Jun 4, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2021 · Amount on File |
| Deed Sale | Nov 4, 2021 · Amount on File |
| Prior Sale | Aug 10, 2001 · Amount on File |
| Deed Document Number | 202155247 |
| Deed Book / Page | 2070 / 868 |
| Prior Transfer Date | Jan 25, 2017 |
| Prior Transfer Doc | 0000024033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 4, 2021 |
| Property Address | 480 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000055247 |
| Book / Page | 2070 / 868 |
| Map Reference | MAP B-28 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 202155247 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 480 TWELFTH ST, 480, SCHENECTADY, NY 12306-3112 |
| Name | Verified Name |
|---|---|
| Address | 8 FARNSWORTH DR APT 10, 10, SLINGERLANDS, NY 12159-9784 |
| Document Number | 0000055250 |
|---|---|
| Date | Nov 4, 2021 |
| Instrument | 202155250 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Number | 0000055253 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 5164/724 |
| Instrument | 202155253 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 4, 2018 |
| Property Address | 480 TWELFTH ST, SCHENECTADY, NY 12306-3112 |
| Document Number | 0000024033 |
| Book / Page | 001988 / 000573 |
| Instrument Date | Jan 25, 2017 |
| Instrument | 24033 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 595 NEW LOUDON RD #197 LATHAM NY 121104063, 197, LATHAM, NY 12110-4063 |
The 2026 property tax bill for 480 Twelfth St was $5,801, up 2.1% 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 | $5,801.00 (+2.06%) | ||
| 2025 | $5,684.00 | $112,100 Land $14,400 Building $97,700 | $185,627 Land $23,845 Building $161,782 |
| 2023 | $112,100 (+16.65%) Land $14,400 Building $97,700 | $141,899 (+21.08%) Land $18,228 Building $123,671 | |
| 2022 | $96,100 Land $14,400 Building $81,700 | $117,195 Land $17,561 Building $99,634 | |
| 2021 | $3,336.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 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 480 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures