488 Twelfth St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 488 Twelfth St, Schenectady, NY 12306

Property Summary

Property Type	Apartments (5+ Units)
Details	3,030 sqft · built 1984
Lot Size	0.139 acres (6,075 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,285 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.66-1-18`

Property Details

APN / Parcel Number

Primary APN	`421500 48.66-1-18`
Alternative APN	`150004806600010180000000`

Interior

Stories	2 Stories
Building Area	3,030 sqft Gross Area
Basement Area	1,509 sqft
Unfinished Basement	1,509 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	6,075 sqft (0.139 acres)
Lot Dimensions	135 ft deep x 45 ft wide
Porch	Slab
Porch Area	452 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	488 TWELFTH ST
City	SCHENECTADY
State	NY
Zip	12306-3112
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3011
Census Tract	21200

Owner

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	16 DEVONSHIRE DR, ALBANY, NY 12205-2104
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 11, 2022
Property Address	488 TWELFTH ST, SCHENECTADY, NY 12306-3112
Document Number	0000001645
Book / Page	2076 / 134
Map Reference	CAB B-28
Instrument Date	Dec 20, 2021
Instrument	202201645
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	SHAKER ABSTRACT AND TITLE LLC, SHAKER ABSTRACT & TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 BIRCHWOOD DR, 610, DUANESBURG, NY 12056-4204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 DEVONSHIRE DR, ALBANY, NY 12205-2104

Mortgage

Document Number	0000001646
Date	Jan 11, 2022
Instrument	202201646

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,285.00 (+0.54%)
2025	$7,246.00 (+5.97%)	$124,000 (-) Land $18,800 Building $105,200	$205,332 (+30.82%) Land $31,131 Building $174,201
2023		$124,000 (-) Land $18,800 Building $105,200	$156,962 (+3.8%) Land $23,797 Building $133,165
2022		$124,000 Land $18,800 Building $105,200	$151,220 Land $22,927 Building $128,293
2021	$6,838.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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