55 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 55 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,228 sqft · built 1900
Lot Size	0.133 acres (5,833 sqft)
Owner	Individual Name on Record
Last Sale	$76,000 (Oct 2019)
Tax Bill	$4,794 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.51-3-33`

Property Details

APN / Parcel Number

Primary APN	`421500 49.51-3-33`
Alternative APN	`150004905100030330000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,228 sqft Total Area
1st Floor Area	1,114 sqft
2nd Floor Area	1,114 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,833 sqft (0.133 acres)
Lot Dimensions	175 ft deep x 33.3 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	55 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1103
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	33.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4003
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	55 DIVISION ST, SCHENECTADY, NY 12304-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019 · Amount on Record
Deed Sale	Oct 25, 2019 · Amount on Record
Prior Sale	Jul 13, 2005 · Amount on Record
Deed Document Number	201948884
Deed Book / Page	2022 / 833
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 25, 2019
Property Address	55 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000048884
Book / Page	002022 / 000833
Instrument Date	Oct 15, 2019
Instrument	48884
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	914 EMMETT ST SCHENECTADY NY 123071637, SCHENECTADY, NY 12307-1637

Mortgage

Document Number	48887
Date	Oct 25, 2019
Book Page	004948/000953
Instrument	48887

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

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
2025	$4,794.00 (+8.88%)	$74,000 (-) Land $11,100 Building $62,900	$122,537 (+30.82%) Land $18,381 Building $104,156
2023		$74,000 (-) Land $11,100 Building $62,900	$93,671 (+3.8%) Land $14,051 Building $79,620
2022		$74,000 Land $11,100 Building $62,900	$90,244 Land $13,537 Building $76,707
2021	$4,403.00

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	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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