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509 Smith St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 509 Smith St, Schenectady, NY 12305

Property Summary

Property TypeCommercial
Lot Size0.103 acres (4,522 sqft)
OwnerCompany Name on Record
Tax Bill$375 (2026)
Deeds & MortgagesJan 2022 Mortgage
Jan 2021 Sale
Flood ZoneZone X (minimal risk)
APN421500 39.80-2-36

Property Details

APN / Parcel Number

Primary APN421500 39.80-2-36
Alternative APN
  • 150003908000020360000000

Exterior

Lot Area4,522 sqft (0.103 acres)
Lot Dimensions133 ft deep x 34 ft wide

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address509 SMITH ST
CitySCHENECTADY
StateNY
Zip12305
Property CategoryCommercial
Property TypeCommercial > Retail
Local Zoning Code05
Legal DescriptionVACANT LOT
Legal Block2
Legal Lot Number36.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1015
Census Tract21001

Owner

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 RecordCompany Name on Record
Mailing Address701 RIVER ST, 4, TROY, NY 12180-1256
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2022Lease, Transfer · Unknown
BERKSHIRE BANK
Jan 15, 2021Warranty Deed, Transfer
AAA TITLE AGENCY INC, AAA TITLE AGCY INC

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

January 2022: Lease, Transfer

Document TypeLease
JurisdictionSCHENECTADY NY
Recording DateJan 6, 2022
Property Address509 SMITH ST, SCHENECTADY, NY 12305
Document Number0000001003
Book / Page2075 / 654
Instrument DateDec 21, 2021
Instrument202201003
Transaction TypeTransfer
Record UpdatedJan 18, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address204 LAFAYETTE ST # 200, 204, SCHENECTADY, NY 12305-2406

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 STATE ST, SCHENECTADY, NY 12305-2322
InvestorPossibly a Property Investor

Mortgage

Document Number0000001012
DateJan 6, 2022
Book Page5187/446
Instrument202201012
Lender
NameBERKSHIRE BANK
TypeBank
AddressALBANY, NY 12207
Agreement
TypeUnknown
AmountAmount Recorded

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJan 15, 2021
Property Address509 SMITH ST, SCHENECTADY, NY 12305
Document Number0000002050
Book / Page002050 / 000148
Instrument DateDec 30, 2020
Instrument2050
Transaction TypeTransfer
Record UpdatedJan 29, 2021
Title CompanyAAA TITLE AGENCY INC, AAA TITLE AGCY INC

Transaction

AmountAmount Recorded
Tax$13,052.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address204 LAFAYETTE ST #2 SCHENECTADY NY 123052416, 2, SCHENECTADY, NY 12305-2416
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$375.00 (+2.74%)
2025$365.00 (-52.41%)$11,660 (-) Land $3,500 Building $8,160$19,308 (+30.82%) Land $5,796 Building $13,512
2023$11,660 (-) Land $3,500 Building $8,160$14,759 (+3.79%) Land $4,430 Building $10,329
2022$11,660 Land $3,500 Building $8,160$14,220 Land $4,268 Building $9,952
2021$767.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: Massivemesh Networks.

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