510 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 510 Union St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Store/Office
Details	12,942 sqft · built 1940
Lot Size	0.774 acres (33,715 sqft)
Owner	Company Name on Record
Last Sale	$4,000 (Oct 2022)
Tax Bill	$26,971 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.64-3-12.2`

Property Details

APN / Parcel Number

Primary APN	`421500 39.64-3-12.2`
Alternative APN	`150003906400030120020000`

Interior

Stories	1 Story
Building Area	12,942 sqft Gross Area
Basement Area	4,536 sqft
Unfinished Basement	4,536 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1981
Lot Area	33,715 sqft (0.774 acres)
Lot Dimensions	182 ft deep x 188 ft wide
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	510 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1117
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	05 - COMME
Legal Description	1 BRICK 0002690606 192,515
Legal Block	3
Legal Lot Number	12.002
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1002
Census Tract	21001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Record	Company Name on Record
Mailing Address	510 UNION ST, SCHENECTADY, NY 12305-1117
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Jun 8, 2001 · Amount on Record
Deed Document Number	202256367
Deed Book / Page	2095 / 486
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 25, 2022
Property Address	510 UNION ST, SCHENECTADY, NY 12305-1117
Document Number	0000056367
Book / Page	2095 / 486
Instrument Date	Sep 30, 2022
Instrument	202256367
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 UNION ST, 510, SCHENECTADY, NY 12305-1117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 UNION ST, SCHENECTADY, NY 12305-1117

Mortgage

Document Number	0000056369
Date	Oct 25, 2022
Book Page	5266/578
Instrument	202256369

Lender

Name	FIRST NATIONAL BANK OF SCOTIA
Type	Bank
Address	SCHENECTADY, NY 12302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$26,971.00 (+0.78%)
2025	$26,762.00 (-15%)	$635,100 (-) Land $70,700 Building $564,400	$1,051,664 (+30.82%) Land $117,072 Building $934,592
2023		$635,100 (-) Land $70,700 Building $564,400	$803,924 (+3.8%) Land $89,494 Building $714,430
2022		$635,100 Land $70,700 Building $564,400	$774,512 Land $86,219 Building $688,293
2021	$31,484.00

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 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	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.

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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