Schenectady County and Schenectady City property record for 5 Front St, Schenectady, NY 12305
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,990 sqft · built 1830 |
| Lot Size | 0.106 acres (4,624 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Apr 2006) |
| Tax Bill | $9,557 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 421500 39.55-1-9 |
| Primary APN | 421500 39.55-1-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,990 sqft Living Area |
| 1st Floor Area | 1,006 sqft |
| 2nd Floor Area | 984 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Lot Area | 4,624 sqft (0.106 acres) |
| Lot Dimensions | 136 ft deep x 34 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 172 sqft |
| Patio Area | 144 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5 FRONT ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 BRICK |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 33500 |
Source: Schenectady County and Schenectady City records · APN 421500 39.55-1-9
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Mar 23, 2021 | Deed of Trust, Mortgage TRUSTCO BANK |
| Mar 23, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage TRUSTCO BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 19, 2006 · Amount on Record |
| Deed Sale | Apr 19, 2006 · Amount on Record |
| Prior Sale | Apr 30, 2002 · Amount on Record |
| Deed Book / Page | 1732 / 98 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Transaction Type | Mortgage |
| Record Updated | Sep 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000042462 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 5137/670 |
| Instrument | 202142462 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 16, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000011950 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 5081/509 |
| Instrument | 202111950 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5 FRONT ST, SCHENECTADY, NY 12305-1312 |
| Document Number | 0000011951 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 5081/515 |
| Instrument | 202111951 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,557.00 (+7.25%) | $186,000 (-) Land $27,900 Building $158,100 | $307,998 (+30.82%) Land $46,200 Building $261,798 |
| 2023 | $186,000 (-) Land $27,900 Building $158,100 | $235,443 (+3.8%) Land $35,316 Building $200,127 | |
| 2022 | $186,000 Land $27,900 Building $158,100 | $226,829 Land $34,024 Building $192,805 | |
| 2021 | $8,911.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), as of January 7, 2014 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360930335001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 individual policies |
| Nearby Flood Policies | 74 units insured incl. 30 condo units |
| Nearby Flood Claims | 11 (1996–2026) |
| Claims Outside the SFHA | 5 of 11 |
| Most Recent Claim | Mar 2026 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Stockade Historic District listed 1973 · 402 contributing resources · NRIS 73001267 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 159 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NY4600070, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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