Schenectady County and Schenectady City property record for 495 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 Record |
| Last Sale | $330,000 (Aug 2023) |
| Tax Bill | $8,360 (2026) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-25.1 |
| Primary APN | 421500 60.70-3-25.1 |
|---|---|
| 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 | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 495 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 | 805 2 WOOD |
| Legal Subdivision | REVISED MAP OF WOODLAWN |
| Legal Block | 3 |
| Legal Lot Number | 25.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21802 |
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 | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Mar 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 31, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU |
| Jul 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Mar 23, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2023 · Amount on Record |
| Deed Sale | Aug 11, 2023 · Amount on Record |
| Prior Sale | Mar 18, 2022 · Amount on Record |
| Deed Document Number | 202345687 |
| Deed Book / Page | 2113 / 525 |
| Prior Transfer Date | Mar 20, 2017 |
| Prior Transfer Doc | 0000012967 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 11, 2023 |
| Property Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000045687 |
| Book / Page | 2113 / 525 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 202345687 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,320.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Name | Verified Name |
|---|---|
| Address | 1281 ROSEDALE AVE, BRONX, NY 10472-2819 |
| Document Number | 0000045686 |
|---|---|
| Date | Aug 11, 2023 |
| Instrument | 202345686 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 18, 2022 |
| Property Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000014228 |
| Book / Page | 2080 / 941 |
| Instrument Date | Mar 17, 2022 |
| Instrument | 202214228 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 KELLEY FARMS RD, 48, BALLSTON LAKE, NY 12019-1814 |
| Name | Verified Name |
|---|---|
| Address | 22 WILEY WAY, CORINTH, NY 12822-1716 |
| Document Number | 0000014229 |
|---|---|
| Date | Mar 18, 2022 |
| Instrument | 202214229 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000024064 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 4763/345 |
| Instrument | 201724064 |
| Name | FIRST NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 30, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000029823 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 4848/851 |
| Instrument | 201829823 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 19, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 23, 2017 |
| Property Address | 495 CHADWICK RD, SCHENECTADY, NY 12304-3953 |
| Document Number | 0000012967 |
| Book / Page | 001959 / 000201 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 12967 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 495 CHADWICK RD SCHENECTADY NY 123043953, SCHENECTADY, NY 12304-3953 |
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 |
|---|---|---|---|
| 2026 | $8,360.00 (+1.63%) | ||
| 2025 | $8,226.00 (+7.8%) | $165,000 (-) Land $26,000 Building $139,000 | $273,224 (+30.82%) Land $43,053 Building $230,171 |
| 2023 | $165,000 (+3.9%) Land $26,000 Building $139,000 | $208,861 (+7.85%) Land $32,911 Building $175,950 | |
| 2022 | $158,800 Land $26,000 Building $132,800 | $193,659 Land $31,707 Building $161,952 | |
| 2021 | $7,631.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
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 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 Fixed Wireless | 100 / 20 |
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