490 Ward Ave, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 490 Ward Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,310 sqft · built 1940
Lot Size	0.126 acres (5,520 sqft)
Owner	Individual Name on File
Last Sale	$132,000 (Feb 2021)
Tax Bill	$5,239 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 50.70-1-49.1`

Property Details

APN / Parcel Number

Primary APN	`421500 50.70-1-49.1`
Alternative APN	`150005007000010490010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,310 sqft Living Area
1st Floor Area	1,150 sqft
Upper Floors Area	160 sqft
Attic	Attic
Attic Area	160 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	5,520 sqft (0.126 acres)
Lot Dimensions	120 ft deep x 46 ft wide
Porch	Slab
Porch Area	146 sqft
Patio Area	271 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	490 WARD AVE
City	SCHENECTADY
State	NY
Zip	12304-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	464 AND PT OF 491 1 WOOD
Legal Block	1
Legal Lot Number	49.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1002
Census Tract	20700

Owner

490 Ward Ave is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	490 WARD AVE, SCHENECTADY, NY 12304-1437
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	Feb 17, 2021 · Amount on File
Deed Sale	Feb 17, 2021 · Amount on File
Prior Sale	Oct 19, 2012 · Amount on File
Deed Document Number	20216224
Deed Book / Page	2052 / 326
Prior Transfer Date	Aug 10, 2012
Prior Transfer Doc	0000035694
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 17, 2021
Property Address	490 WARD AVE, SCHENECTADY, NY 12304-1437
Document Number	0000006224
Book / Page	2052 / 326
Instrument Date	Sep 23, 2020
Instrument	202106224
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 WARD AVE, 490, SCHENECTADY, NY 12304-1437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 ARCADIA AVE, ALBANY, NY 12209-1413

Mortgage

Document Number	0000006225
Date	Feb 17, 2021
Instrument	202106225

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 490 Ward Ave was $5,239, up 2.2% 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	$5,239.00 (+2.22%)
2025	$5,125.00	$101,900 Land $15,300 Building $86,600	$168,737 Land $25,335 Building $143,402
2023		$101,900 (-) Land $15,300 Building $86,600	$128,987 (+3.8%) Land $19,367 Building $109,620
2022		$101,900 Land $15,300 Building $86,600	$124,268 Land $18,658 Building $105,610
2021	$4,892.00

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

Flood

FEMA maps place 490 Ward Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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 Claims	2 (1980)
Most Recent Claim	Mar 1980 · rainfall accumulation

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.

Wildfire

Wildfire risk around 490 Ward Ave 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.

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 531 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
T-Mobile Fixed Wireless	100 / 20