Schenectady County and Schenectady City property record for 498 Chadwick Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,745 sqft · built 2000 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $200,000 (May 2019) |
| Tax Bill | $9,015 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.70-3-46.1 |
| Primary APN | 421500 60.70-3-46.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,745 sqft Living Area |
| 1st Floor Area | 846 sqft |
| 2nd Floor Area | 899 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 140 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 254 sqft |
| Porch | Slab |
| Porch Area | 52 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 498 CHADWICK RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD |
| Legal Subdivision | REVISED MAP OF WOODLAWN |
| Legal Block | 3 |
| Legal Lot Number | 46.001 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4012 |
| 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 | 498 CHADWICK RD, SCHENECTADY, NY 12304-3955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Oct 25, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 6, 2019 | Warranty Deed, Transfer · Conventional Mortgage SUNMARK FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2019 · Amount on Record |
| Deed Sale | May 6, 2019 · Amount on Record |
| Prior Sale | Jan 28, 2014 · Amount on Record |
| Deed Document Number | 201919497 |
| Deed Book / Page | 2010 / 662 |
| Last Transfer Date | Oct 16, 2019 |
| Transfer Doc | 0000048913 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 498 CHADWICK RD, SCHENECTADY, NY 12304-3955 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 498 CHADWICK RD, SCHENECTADY, NY 12304-3955 |
| Document Number | 0000016044 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 5089/117 |
| Instrument | 202116044 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 25, 2019 |
| Property Address | 498 CHADWICK RD, SCHENECTADY, NY 12304-3955 |
| Document Number | 0000048913 |
| Book / Page | 002022 / 000847 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 48913 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 498 CHADWICK RD SCHENECTADY NY 123043955, SCHENECTADY, NY 12304-3955 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 6, 2019 |
| Property Address | 498 CHADWICK RD, SCHENECTADY, NY 12304-3955 |
| Document Number | 0000019497 |
| Book / Page | 2010 / 662 |
| Map Reference | CAB I MAP 350 |
| Instrument Date | May 1, 2019 |
| Instrument | 201919497 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 498 CHADWICK RD, 498, SCHENECTADY, NY 12304-3955 |
| Name | Verified Name |
|---|---|
| Address | 1818 ALBANY ST, SCHENECTADY, NY 12304-3102 |
| Document Number | 0000019499 |
|---|---|
| Date | May 6, 2019 |
| Instrument | 201919499 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
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 | $9,015.00 (+1.57%) | ||
| 2025 | $8,876.00 (+3.85%) | $184,300 (-) Land $27,600 Building $156,700 | $305,183 (+30.82%) Land $45,703 Building $259,480 |
| 2023 | $184,300 (-) Land $27,600 Building $156,700 | $233,291 (+3.8%) Land $34,937 Building $198,354 | |
| 2022 | $184,300 Land $27,600 Building $156,700 | $224,756 Land $33,659 Building $191,097 | |
| 2021 | $8,547.00 |
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 |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures