Schenectady County and Schenectady City property record for 5 Charles St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,352 sqft · built 1940 |
| Lot Size | 0.14 acres (6,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $238,500 (Dec 2023) |
| Tax Bill | $5,679 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Oct 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-1-34 |
| Primary APN | 421500 49.68-1-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,352 sqft Total Area |
| 1st Floor Area | 1,176 sqft |
| 2nd Floor Area | 1,176 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,120 sqft (0.14 acres) |
| Lot Dimensions | 180 ft deep x 34 ft wide |
| Porch | Slab |
| Porch Area | 520 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5 CHARLES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2815 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 21700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Oct 17, 2024 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 5, 2023 | Warranty Deed, Transfer · FHA Mortgage MANUFACTURERS & TRADERS TRUST CO |
| Dec 14, 2018 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on Record |
| Deed Sale | Dec 5, 2023 · Amount on Record |
| Prior Sale | Dec 7, 2005 · Amount on Record |
| Deed Document Number | 202368500 |
| Deed Book / Page | 2120 / 807 |
| Prior Transfer Date | Dec 11, 2015 |
| Prior Transfer Doc | 1928000306 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 6 CHARLES ST, SCHENECTADY, NY 12304-2816 |
| Document Number | 0000038981 |
|---|---|
| Date | Jul 6, 2023 |
| Book Page | 5315/476 |
| Instrument | 202338981 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 21, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Document Number | 0000062476 |
|---|---|
| Date | Oct 17, 2024 |
| Book Page | 5404/571 |
| Instrument | 202462476 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 5, 2023 |
| Property Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Document Number | 0000068500 |
| Book / Page | 2120 / 807 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 202368500 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $954.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Name | Verified Name |
|---|---|
| Address | 3067 MCDONALD AVE, SCHENECTADY, NY 12304-3713 |
| Document Number | 0000068501 |
|---|---|
| Date | Dec 5, 2023 |
| Instrument | 202368501 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 CHARLES ST, SCHENECTADY, NY 12304-2815 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000054813 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 4884/247 |
| Instrument | 201854813 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 6, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,679.00 (+3.52%) | ||
| 2025 | $5,486.00 (+7.8%) | $90,900 (-) Land $13,600 Building $77,300 | $150,522 (+30.82%) Land $22,520 Building $128,002 |
| 2023 | $90,900 (-) Land $13,600 Building $77,300 | $115,063 (+3.8%) Land $17,215 Building $97,848 | |
| 2022 | $90,900 Land $13,600 Building $77,300 | $110,854 Land $16,585 Building $94,269 | |
| 2021 | $5,089.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 639 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 |
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