51 Elm St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 51 Elm St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,028 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2026)
Tax Bill	$5,415 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-36`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-36`
Alternative APN	`150004905900030360000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,028 sqft Total Area
1st Floor Area	1,102 sqft
2nd Floor Area	926 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Porch	Slab
Porch Area	536 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	51 ELM ST
City	SCHENECTADY
State	NY
Zip	12304-1201
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	36.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of September 24, 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	2237 E BEVERLY LN, PHOENIX, AZ 85022-2912
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed, Transfer · Conventional Mortgage US MORTGAGE CORPORATION
Jun 16, 2022	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	202616785
Deed Book / Page	2176 / 453
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 27, 2026
Property Address	51 ELM ST, SCHENECTADY, NY 12304-1201
Document Number	0000016785
Book / Page	2176 / 453
Instrument Date	Jul 16, 2026
Instrument	202616785
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,900.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2237 E BEVERLY LN, PHOENIX, AZ 85022-2912

Mortgage

Document Number	0000016786,
Date	Jul 27, 2026
Instrument	202616786

Lender

Name	US MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 16, 2022
Property Address	51 ELM ST, SCHENECTADY, NY 12304-1201
Document Number	0000032762
Book / Page	2086 / 641
Instrument Date	Jun 13, 2022
Instrument	202232762
Transaction Type	Transfer
Record Updated	Jun 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$552.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 ELM ST, 51, SCHENECTADY, NY 12304-1201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 JAY ST, SCHENECTADY, NY 12302-1504

Mortgage

Document Number	0000031765
Date	Jun 16, 2022
Book Page	5234/421
Instrument	202231765

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,415.00 (+3.66%)
2025	$5,224.00 (+23.82%)	$84,500 (-) Land $12,700 Building $71,800	$139,924 (+30.82%) Land $21,030 Building $118,894
2023		$84,500 (-) Land $12,700 Building $71,800	$106,962 (+3.8%) Land $16,076 Building $90,886
2022		$84,500 Land $12,700 Building $71,800	$103,049 Land $15,488 Building $87,561
2021	$4,219.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 924 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

May also be available: T-Mobile.

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