Schenectady County and Schenectady City property record for 49 N Jay St, Schenectady, NY 12305
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,920 sqft · built 1900 |
| Lot Size | 0.069 acres (3,007 sqft) |
| Owner | Company Name on Record |
| Last Sale | $20,000 (May 1999) |
| Tax Bill | $5,793 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.64-2-4 |
| Primary APN | 421500 39.64-2-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Total Area |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 960 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,007 sqft (0.069 acres) |
| Lot Dimensions | 97 ft deep x 31 ft wide |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 240 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 49 N JAY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1138 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 06 - INDUS |
| Legal Description | 2 BRK FRONT |
| Legal Block | 2 |
| Legal Lot Number | 4.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 20300 |
Source: Schenectady County and Schenectady City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 265 WILLIAM ST, SCHENECTADY, NY 12303-3262 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 1999 · Amount on Record |
| Deed Sale | May 5, 1999 · Amount on Record |
| Prior Sale | Jan 28, 1998 · Amount on Record |
| Deed Book / Page | 1555 / 866 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 49 N JAY ST, SCHENECTADY, NY 12305-1138 |
| Document Number | 0000011074 |
| Instrument Date | Mar 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SVCS |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 49 N JAY ST SCHENECTADY NY 123051138, SCHENECTADY, NY 12305-1138 |
| Document Number | 0000011074 |
|---|---|
| Date | Mar 14, 2019 |
| Book Page | 004899/000601 |
| Instrument | 11074 |
| Name | FIRST NY FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|---|
| 2025 | $5,793.00 (+7.42%) | $98,400 (-) Land $14,800 Building $83,600 | $162,941 (+30.82%) Land $24,507 Building $138,434 |
| 2023 | $98,400 (-) Land $14,800 Building $83,600 | $124,557 (+3.8%) Land $18,734 Building $105,823 | |
| 2022 | $98,400 Land $14,800 Building $83,600 | $120,000 Land $18,049 Building $101,951 | |
| 2021 | $5,393.00 |
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 | 9 in force |
| Nearby Flood Claims | 13 (1980–2011) |
| Claims Outside the SFHA | 2 of 13 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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 | Not rated no burnable land within 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 554 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 · Fixed Wireless in parts of the area | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Massivemesh Networks.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures