56 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 56 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,260 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	2 Individual Names on File
Last Sale	$87,000 (Feb 2006)
Tax Bill	$5,519 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-12`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-12`
Alternative APN	`150004905900030120000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,260 sqft Total Area
1st Floor Area	1,130 sqft
2nd Floor Area	1,130 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	56 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	AGED AFFIDAVIT REQUIRED 2 WOOD
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20700

Owner

56 Division St, a duplex, is owned and occupied by two individuals who acquired it in July 2023.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Aug 4, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2006 · Amount on File
Deed Sale	Feb 2, 2006 · Amount on File
Deed Book / Page	1726 / 506
Last Transfer Date	Jul 17, 2023
Transfer Doc	0000044226
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104

Mortgage

Document Number	0000061382
Date	Dec 6, 2021
Book Page	5175/334
Instrument	202161382

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Nov 12, 2031

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 4, 2023
Property Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104
Document Number	0000044226
Book / Page	2113 / 114
Instrument Date	Jul 17, 2023
Instrument	202344226
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	56 DIVISION ST, SCHENECTADY, NY 12304-1104

Tax Assessment & Valuation

The 2026 property tax bill for 56 Division St was $5,519 with a homeowner's exemption, up 4.7% from the year before.

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	$5,519.00 (+4.7%) Homeowner's exemption
2025	$5,271.00	$97,200 Land $13,000 Building $84,200	$160,954 Land $21,527 Building $139,427
2023		$97,200 (-30.27%) Land $13,000 Building $84,200	$123,038 (-27.62%) Land $16,456 Building $106,582
2022		$139,400 Land $13,000 Building $126,400	$170,000 Land $15,854 Building $154,146
2021	$4,312.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 56 Division 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.

Wildfire

Wildfire risk around 56 Division St is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Division St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures