Schenectady County and Schenectady City property record for 491 Chadwick Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,495 sqft · built 1993 |
| Lot Size | 0.128 acres (5,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $318,000 (Nov 2025) |
| Tax Bill | $8,407 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Feb 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-25.2 |
| Primary APN | 421500 60.70-3-25.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,495 sqft Living Area |
| 1st Floor Area | 817 sqft |
| 2nd Floor Area | 678 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Contemporary |
| 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 | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 491 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 | 804 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 25.002 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21802 |
Source: Schenectady County and Schenectady City assessment roll, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1700 WESTERN AVE, 115, ALBANY, NY 12203-4303 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 3, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Feb 21, 2019 | Quit Claim Deed, Transfer A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Nov 28, 2017 | Grant Deed, Transfer · FHA Mortgage RESMAC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 3, 2025 · Amount on Record |
| Deed Sale | Nov 3, 2025 · Amount on Record |
| Prior Sale | Nov 28, 2017 · Amount on Record |
| Deed Document Number | 202525942 |
| Deed Book / Page | 2160 / 152 |
| Prior Transfer Date | Feb 19, 2019 |
| Prior Transfer Doc | 0000007575 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 3, 2025 |
| Property Address | 491 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000025942 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 202525942 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CAPITAL CITY TITLE AGENCY LLC, CAPITAL DIST TTL AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,272.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 491 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Name | Verified Name |
|---|---|
| Address | 1700 WESTERN AVE APT 115, 115, ALBANY, NY 12203-4303 |
| Document Number | 0000025943 |
|---|---|
| Date | Nov 3, 2025 |
| Instrument | 202525943 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 21, 2019 |
| Property Address | 491 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000007575 |
| Book / Page | 002005 / 000986 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 7575 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2019 |
| Title Company | A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 491 CHADWICK RD SCHENECTADY NY 123043953, SCHENECTADY, NY 12304-3953 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 28, 2017 |
| Property Address | 491 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000053574 |
| Book / Page | 001976 / 000081 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 53574 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2017 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $624.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 RIVERWALK WAY COHOES NY 120473336, COHOES, NY 12047-3336 |
| Document Number | 53578 |
|---|---|
| Date | Nov 28, 2017 |
| Book Page | 004803/000457 |
| Instrument | 53578 |
| Name | RESMAC |
|---|---|
| Address | BOCA RATON, FL 33487 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 27, 2047 |
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 | $8,407.00 (+3.73%) | $176,300 (-) Land $26,400 Building $149,900 | $291,936 (+13.35%) Land $43,716 Building $248,220 |
| 2024 | $176,300 (-) Land $26,400 Building $149,900 | $257,560 (+15.41%) Land $38,568 Building $218,992 | |
| 2023 | $176,300 (-) Land $26,400 Building $149,900 | $223,165 (+3.8%) Land $33,418 Building $189,747 | |
| 2022 | $176,300 Land $26,400 Building $149,900 | $215,000 Land $32,195 Building $182,805 | |
| 2021 | $8,105.00 |
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 |
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 USA Fixed Wireless | 100 / 20 |
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