Schenectady County and Schenectady City property record for 54 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,388 sqft · built 1925 |
| Lot Size | 0.08 acres (3,520 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Nov 2021) |
| Tax Bill | $7,529 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Nov 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-19 |
| Primary APN | 421500 49.68-6-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,388 sqft Living Area |
| 1st Floor Area | 716 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Colonial |
| Exterior Material | Stucco |
| Lot Area | 3,520 sqft (0.08 acres) |
| Lot Dimensions | 88 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 381 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 54 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AND RE OF 15 16 17 2 WD AND STU AND GAR |
| Legal Block | 6 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Nov 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Dec 10, 2019 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on Record |
| Deed Sale | Nov 1, 2021 · Amount on Record |
| Prior Sale | Dec 10, 2019 · Amount on Record |
| Deed Document Number | 202154415 |
| Deed Book / Page | 2070 / 663 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000021229 |
|---|---|
| Date | Sep 8, 2025 |
| Instrument | 202521229 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 1, 2021 |
| Property Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000054415 |
| Book / Page | 2070 / 663 |
| Map Reference | MAP 54 CAB B |
| Instrument Date | Oct 19, 2021 |
| Instrument | 202154415 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Name | Verified Name |
|---|---|
| Address | 74 DEWITT AVE, SCHENECTADY, NY 12304-2130 |
| Document Number | 0000054416 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 202154416 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 10, 2019 |
| Property Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000054783 |
| Book / Page | 2026 / 208 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 201954783 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54 SPRUCE ST, 54, SCHENECTADY, NY 12304-1403 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 54 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000054786 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 201954786 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,529.00 (+1.76%) | ||
| 2025 | $7,399.00 (+49.54%) | $151,700 (-) Land $13,900 Building $137,800 | $251,201 (+30.82%) Land $23,017 Building $228,184 |
| 2023 | $151,700 (-) Land $13,900 Building $137,800 | $192,025 (+3.8%) Land $17,595 Building $174,430 | |
| 2022 | $151,700 Land $13,900 Building $137,800 | $185,000 Land $16,951 Building $168,049 | |
| 2021 | $4,948.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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