Schenectady County and Schenectady City property record for 554 Ontario St, Schenectady, NY 12306
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,214 sqft · built 1908 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (May 2024) |
| Tax Bill | $4,928 (2026) |
| Deeds & Mortgages | May 2024 Sale & Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.67-2-29 |
| Primary APN | 421500 48.67-2-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,214 sqft Living Area |
| 1st Floor Area | 846 sqft |
| Upper Floors Area | 368 sqft |
| Attic | Attic |
| Attic Area | 368 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 170 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 285 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 554 ONTARIO ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 6 PT OF EACH 1 X WOOD & SHED |
| Legal Block | 2 |
| Legal Lot Number | 29.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 33200 |
554 Ontario St is owned and occupied by two individuals who bought it in May 2024.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 554 ONTARIO ST, SCHENECTADY, NY 12306-4013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Jul 18, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2024 · Amount on File |
| Deed Sale | May 6, 2024 · Amount on File |
| Prior Sale | Feb 5, 2024 · Amount on File |
| Deed Document Number | 202427224 |
| Deed Book / Page | 2130 / 338 |
| Prior Transfer Date | Jan 31, 2002 |
| Prior Transfer Doc | 1617000880 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 6, 2024 |
| Property Address | 554 ONTARIO ST, SCHENECTADY, NY 12306-4013 |
| Document Number | 0000027224 |
| Book / Page | 2130 / 338 |
| Instrument Date | Apr 18, 2024 |
| Instrument | 202427224 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 ONTARIO ST, SCHENECTADY, NY 12306-4013 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1310 ARROWHEAD DR N, SCHENECTADY, NY 12302-3526 |
| Document Number | 0000027225 |
|---|---|
| Date | May 6, 2024 |
| Instrument | 202427225 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 18, 2017 |
| Property Address | 554 ONTARIO ST, SCHENECTADY, NY 12306-4013 |
| Document Number | 0000032179 |
| Book / Page | 1967 / 226 |
| Instrument Date | Jul 13, 2017 |
| Instrument | 201732179 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 ONTARIO ST, 554, SCHENECTADY, NY 12306-4013 |
| Name | Verified Name |
|---|---|
| Address | 2 STEERS AVE, SCHENECTADY, NY 12304-1720 |
| Document Number | 0000032181 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 201732181 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2026 property tax bill for 554 Ontario St was $4,928, up 2.3% from the year before.
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 | $4,928.00 (+2.33%) | ||
| 2025 | $4,816.00 | $95,500 Land $14,300 Building $81,200 | $158,139 Land $23,679 Building $134,460 |
| 2023 | $95,500 (-) Land $14,300 Building $81,200 | $120,886 (+3.8%) Land $18,101 Building $102,785 | |
| 2022 | $95,500 Land $14,300 Building $81,200 | $116,463 Land $17,439 Building $99,024 | |
| 2021 | $4,593.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 554 Ontario St in Zone X, an area of minimal flood risk.
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.
The area around 554 Ontario St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 823 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures