Schenectady County and Schenectady City property record for 485 Chadwick Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,472 sqft · built 2004 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Sep 2025) |
| Tax Bill | $6,072 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Aug 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-24 |
| Primary APN | 421500 60.70-3-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Basement Area | 576 sqft |
| Finished Basement | 576 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,600 sqft (0.128 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 485 CHADWICK RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 1 WOOD |
| Legal Subdivision | CHADWICK ROAD |
| Legal Block | 3 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| 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 | 1700 WESTERN AVE, 504, ALBANY, NY 12203-4327 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 19, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Aug 12, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on Record |
| Deed Sale | Sep 19, 2025 · Amount on Record |
| Prior Sale | Apr 27, 2007 · Amount on Record |
| Deed Document Number | 202522387 |
| Deed Book / Page | 2157 / 275 |
| Prior Transfer Date | Mar 17, 2005 |
| Prior Transfer Doc | 1704000048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 19, 2025 |
| Property Address | 485 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000022387 |
| Map Reference | CAB I MAP 350 |
| Instrument Date | Aug 5, 2025 |
| Instrument | 202522387 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 485 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Name | Verified Name |
|---|---|
| Address | 1700 WESTERN AVE APT 504, 504, ALBANY, NY 12203-4327 |
| Document Number | 0000022388 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 202522388 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 12, 2020 |
| Property Address | 485 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000023586 |
| Book / Page | 002039 / 000592 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 23586 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 17 RIVERDALE CT NISKAYUNA NY 123092535, NISKAYUNA, NY 12309-2535 |
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 | $6,072.00 (+4.65%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $5,802.00 (+7.21%) | $157,100 (-) Land $23,600 Building $133,500 | $260,142 (+13.35%) Land $39,079 Building $221,063 |
| 2024 | $157,100 (-) Land $23,600 Building $133,500 | $229,511 (+15.41%) Land $34,478 Building $195,033 | |
| 2023 | $157,100 (-) Land $23,600 Building $133,500 | $198,861 (+3.8%) Land $29,873 Building $168,988 | |
| 2022 | $157,100 Land $23,600 Building $133,500 | $191,585 Land $28,780 Building $162,805 | |
| 2021 | $5,412.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% 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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