490 Arthur St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 490 Arthur St, Schenectady, NY 12306

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,456 sqft · built 1960
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (May 2020)
Tax Bill	$6,595 (2026)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 48.59-2-27`

Property Details

APN / Parcel Number

Primary APN	`421500 48.59-2-27`
Alternative APN	`150004805900020270000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,456 sqft Total Area
1st Floor Area	1,456 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	490 ARTHUR ST
City	SCHENECTADY
State	NY
Zip	12306-3132
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	AND PTS OF 31 & 33 1 WOOD & GARAGE
Legal Block	2
Legal Lot Number	27.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	21200

Owner

490 Arthur St, a duplex, is owned and occupied by an individual who bought it in May 2020.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	490 ARTHUR ST, SCHENECTADY, NY 12306-3132
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on File
Deed Sale	May 20, 2020 · Amount on File
Prior Sale	Sep 12, 2013 · Amount on File
Deed Document Number	202014509
Deed Book / Page	2034 / 962
Record Updated	Oct 29, 2026

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 20, 2020
Property Address	490 ARTHUR ST, SCHENECTADY, NY 12306-3132
Document Number	0000014509
Book / Page	2034 / 962
Instrument Date	Mar 27, 2020
Instrument	202014509
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$512.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	241 EAGLE MOUNTAIN RD, 241, SUMMIT, NY 12175-1730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 ARTHUR ST, SCHENECTADY, NY 12306-3132

Mortgage

Document Number	0000014510
Date	May 20, 2020
Instrument	202014510

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 490 Arthur St was $6,595, up 3.1% from the year before.

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	$6,595.00 (+3.13%)
2025	$6,395.00	$110,800 Land $16,600 Building $94,200	$183,474 Land $27,488 Building $155,986
2023		$110,800 (-) Land $16,600 Building $94,200	$140,253 (+3.8%) Land $21,013 Building $119,240
2022		$110,800 Land $16,600 Building $94,200	$135,122 Land $20,244 Building $114,878
2021	$5,974.00

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

Flood

FEMA maps place 490 Arthur St in Zone X, an area of minimal flood risk.

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.

Wildfire

The area around 490 Arthur St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 508 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