515 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 515 Union St, Schenectady, NY 12305

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,338 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Sep 2025)
Tax Bill	$13,815 (2026)
Deeds & Mortgages	Sep 2025 Sale Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.65-1-26`

Property Details

APN / Parcel Number

Primary APN	`421500 39.65-1-26`
Alternative APN	`150003906500010260000000`

Interior

Stories	2 Stories
Building Area	4,338 sqft Gross Area
Basement Area	2,169 sqft
Unfinished Basement	2,169 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	210 ft deep x 60 ft wide
Porch	Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Partial
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 UNION ST
City	SCHENECTADY
State	NY
Zip	12305
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	2 WOOD
Legal Subdivision	E NOTT SCHERMERHOM
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1016
Census Tract	20300

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	1071 VALERIE DR, SCHENECTADY, NY 12309-1638
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Jun 14, 2018	Deed of Trust, Mortgage NBT BK
May 10, 2017	Quit Claim Deed, Transfer Quitclaim
May 10, 2017	Quit Claim Deed, Transfer · Commercial Mortgage OLD REPUBLIC NATIONAL TITLE
Jan 5, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	May 10, 2017 · Amount on Record
Deed Document Number	202522149
Deed Book / Page	2156 / 978
Prior Transfer Date	Apr 26, 2017
Prior Transfer Doc	0000020766
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 17, 2025
Property Address	515 UNION ST, SCHENECTADY, NY 12305
Document Number	0000022149
Instrument Date	Aug 28, 2025
Instrument	202522149
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$1,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 BARTON HILL RD, DELANSON, NY 12053-2703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1071 VALERIE DR, NISKAYUNA, NY 12309-1638

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	515 UNION ST, SCHENECTADY, NY 12305
Document Number	0000030930
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	515 UNION ST SCHENECTADY NY 12305, SCHENECTADY, NY 12305

Mortgage

Document Number	0000030930
Date	Jul 16, 2018
Book Page	004850/000433
Instrument	30930

Lender

Name	NBT BK
Type	Bank
Address	SCHENECTADY, NY 12305

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 15, 2038

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 10, 2017
Property Address	515 UNION ST, SCHENECTADY, NY 12305
Document Number	0000020766
Book / Page	001962 / 000185
Instrument Date	Apr 26, 2017
Instrument	20766
Transaction Type	Transfer
Record Updated	May 18, 2017

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 10, 2017
Property Address	515 UNION ST, SCHENECTADY, NY 12305
Document Number	0000020767
Book / Page	1962 / 188
Map Reference	MB 61 PG 322
Instrument Date	Apr 26, 2017
Instrument	201720767
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 JAY ST, 105, SCHENECTADY, NY 12305-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 STATE ST, SCHENECTADY, NY 12305-2309

Mortgage

Document Number	, 201720775
Date	May 10, 2017
Instrument	201720775

Lender

Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 5, 2017
Property Address	515 UNION ST, SCHENECTADY, NY 12305
Document Number	0000000718
Book / Page	001953 / 000799
Instrument Date	Dec 28, 2016
Instrument	718
Transaction Type	Transfer
Record Updated	Jan 11, 2017

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905

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	$13,815.00 (-1.08%)
2025	$13,966.00 (+3.38%)	$323,000 (-) Land $33,100 Building $289,900	$534,857 (+13.35%) Land $54,810 Building $480,047
2024		$323,000 (-) Land $33,100 Building $289,900	$471,877 (+15.41%) Land $48,356 Building $423,521
2023		$323,000 (-) Land $33,100 Building $289,900	$408,861 (+3.8%) Land $41,899 Building $366,962
2022		$323,000 Land $33,100 Building $289,900	$393,902 Land $40,366 Building $353,536
2021	$13,510.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	13 (1980–2011)
Claims Outside the SFHA	2 of 13
Most Recent Claim	Sep 2011 · Remnants Of Tropical Storm Lee
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding, Jan 1996 · 3 claims

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.

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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