544 Florence St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 544 Florence St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,944 sqft · built 1900
Lot Size	0.151 acres (6,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Sep 2026)
Tax Bill	$5,170 (2026)
Deeds & Mortgages	Sep 2026 Sale Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`421500 39.35-2-35.21`

Property Details

APN / Parcel Number

Primary APN	`421500 39.35-2-35.21`
Alternative APN	`150003903500020350210000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
1st Floor Area	972 sqft
2nd Floor Area	972 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,600 sqft (0.151 acres)
Lot Dimensions	100 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	504 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	544 FLORENCE ST
City	SCHENECTADY
State	NY
Zip	12308-1619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Subdivision	GEORGE W ELY
Legal Block	2
Legal Lot Number	35.021
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1019
Census Tract	20200

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	2 Individual Names on Record
Mailing Address	115 EDWARD ST, SCHENECTADY, NY 12304-2901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 16, 2021	Deed of Trust, Mortgage · FHA Mortgage CITIMORTGAGE INC
Jun 2, 2021	Deed of Trust, Mortgage HOUSING TRUST FUND CORPORATION
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 25, 2019	Loan Modification, Mortgage · Conventional Mortgage CITIMORTGAGE
Sep 5, 2019	Loan Modification, Mortgage · FHA Mortgage CITIMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2026 · Amount on Record
Deed Sale	Sep 4, 2026 · Amount on Record
Prior Sale	Jun 11, 2001 · Amount on Record
Deed Document Number	202619759
Deed Book / Page	2179 / 31
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 4, 2026
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Document Number	0000019759
Book / Page	2179 / 31
Instrument Date	Aug 19, 2026
Instrument	202619759
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$34,340.00
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	115 EDWARD ST, SCHENECTADY, NY 12304-2901

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Transaction Type	Mortgage
Record Updated	Jul 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619

Mortgage

Document Number	0000028484
Date	Jun 16, 2021
Book Page	5111/76
Instrument	202128484

Lender

Name	CITIMORTGAGE INC
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Mar 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619

Mortgage

Document Number	0000025512
Date	Jun 2, 2021
Book Page	5105/461
Instrument	202125512

Lender

Name	HOUSING TRUST FUND CORPORATION
Type	Non-Lending Institution
Address	ALBANY, NY 12207

Agreement

Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619

Mortgage

Document Number	0000012406
Date	Mar 24, 2021
Book Page	5082/436
Instrument	202112406

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Document Number	0000001816
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 FLORENCE ST SCHENECTADY NY 123081619, SCHENECTADY, NY 12308-1619

Mortgage

Document Number	0000001816
Date	Jan 15, 2020
Book Page	004966/000526
Instrument	1816

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	O'FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SCHENECTADY NY
Property Address	544 FLORENCE ST, SCHENECTADY, NY 12308-1619
Document Number	0000001817
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	544 FLORENCE ST SCHENECTADY NY 123081619, SCHENECTADY, NY 12308-1619

Mortgage

Document Number	0000001817
Date	Jan 15, 2020
Book Page	004966/000530
Instrument	1817

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	O FALLON, MO 63368

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2050

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$5,170.00 (+18.42%) Homeowner's exemption
2025	$4,366.00 (+10.42%)	$88,000 (-) Land $12,100 Building $75,900	$145,719 (+30.82%) Land $20,036 Building $125,683
2023		$88,000 (-) Land $12,100 Building $75,900	$111,392 (+3.8%) Land $15,316 Building $96,076
2022		$88,000 Land $12,100 Building $75,900	$107,317 Land $14,756 Building $92,561
2021	$3,954.00

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 Claims	2 (1978)
Most Recent Claim	Jan 1978 · rainfall accumulation

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	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 512 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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