Schenectady County and Schenectady City property record for 557 Ontario St, Schenectady, NY 12306
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,704 sqft · built 1910 |
| Lot Size | 0.341 acres (14,880 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,000 (Sep 2019) |
| Tax Bill | $7,822 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Jun 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 48.67-3-12 |
| Primary APN | 421500 48.67-3-12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,704 sqft Total Area |
| 1st Floor Area | 1,352 sqft |
| 2nd Floor Area | 1,352 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,880 sqft (0.341 acres) |
| Lot Dimensions | 240 ft deep x 62 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,991 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 501 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 557 ONTARIO ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-4000 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 246 PARTS OF 2 WOOD AND GARAGES |
| Legal Block | 3 |
| Legal Lot Number | 12.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 33200 |
557 Ontario St, a duplex, is owned by two individuals who bought it in September 2019.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 6064, SCHENECTADY, NY 12306-0064 |
| 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 |
|---|---|
| Jan 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage NEW JERSEY LENDERS CORP |
| Jun 28, 2019 | Loan Modification, Mortgage RUSHMORE LN MGMT SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on File |
| Deed Sale | Sep 20, 2019 · Amount on File |
| Prior Sale | Dec 18, 2007 · Amount on File |
| Deed Document Number | 201942181 |
| Deed Book / Page | 2020 / 472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 557 ONTARIO ST, SCHENECTADY, NY 12306-4000 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | ELITE ABSTRACT & RESEARCH LL |
| Name | Verified Name |
|---|---|
| Address | 557 ONTARIO ST, SCHENECTADY, NY 12306-4000 |
| Document Number | 0000002387 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 5061/111 |
| Instrument | 202102387 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | LITTLE FALLS, NJ 07424 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 557 ONTARIO ST, SCHENECTADY, NY 12306-4000 |
| Document Number | 0000046419 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 557 ONTARIO ST SCHENECTADY NY 123064000, SCHENECTADY, NY 12306-4000 |
| Document Number | 0000046419 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 004945/000828 |
| Instrument | 46419 |
| Name | RUSHMORE LN MGMT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | FARMERS BRANCH, TX 75234 |
| Amount | Amount on Record |
|---|---|
| Term | 216 Months |
| Due | Oct 14, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.87% |
The 2026 property tax bill for 557 Ontario St was $7,822, up 2.7% 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 | $7,822.00 (+2.75%) | ||
| 2025 | $7,613.00 | $141,700 Land $21,300 Building $120,400 | $234,641 Land $35,271 Building $199,370 |
| 2023 | $141,700 (-) Land $21,300 Building $120,400 | $179,367 (+3.8%) Land $26,962 Building $152,405 | |
| 2022 | $141,700 Land $21,300 Building $120,400 | $172,805 Land $25,976 Building $146,829 | |
| 2021 | $7,187.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 557 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 557 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 |
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