577 Ontario St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 577 Ontario St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1910
Lot Size	0.068 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (May 2026)
Tax Bill	$4,556 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2026 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 48.67-3-17`

Property Details

APN / Parcel Number

Primary APN	`421500 48.67-3-17`
Alternative APN	`150004806700030170000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,100 sqft Living Area
1st Floor Area	580 sqft
2nd Floor Area	520 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,000 sqft (0.068 acres)
Lot Dimensions	90 ft deep x 33.3 ft wide
Garage Type	Detached
Garage Area	192 sqft
Porch	Porch
Porch Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	577 ONTARIO ST
City	SCHENECTADY
State	NY
Zip	12306-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Subdivision	H G GLEN
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4000
Census Tract	33200

Owner

577 Ontario St is owned by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2232 STATE ROUTE 43, AVERILL PARK, NY 12018-3932
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
May 13, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jan 20, 2026	Warranty Deed, Transfer · Construction Mortgage DOUBLE BACKFLIP LLC
Oct 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2026 · Amount on File
Deed Sale	May 13, 2026 · Amount on File
Prior Sale	Jan 20, 2026 · Amount on File
Deed Document Number	202611189
Deed Book / Page	2172 / 232
Prior Transfer Date	Oct 12, 2021
Prior Transfer Doc	0000051774
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 13, 2026
Property Address	577 ONTARIO ST, SCHENECTADY, NY 12306-4000
Document Number	0000011189
Book / Page	2172 / 232
Instrument Date	Apr 28, 2026
Instrument	2026.11189
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	AMP ABSTRACT AND TITLE SERVICES, PAC ABSTRACT AND TITLE SERVICE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,020.00
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	2232 STATE ROUTE 43, AVERILL PARK, NY 12018-3932

Mortgage

Document Number	0000011190,
Date	May 13, 2026
Instrument	2026..11190

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 20, 2026
Property Address	577 ONTARIO ST, SCHENECTADY, NY 12306-4000
Document Number	0000001313
Instrument Date	Dec 23, 2025
Instrument	202601313
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CATIC TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	577 ONTARIO ST, SCHENECTADY, NY 12306-4000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 OLD NISKAYUNA RD, ALBANY, NY 12211-1321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001314
Date	Jan 20, 2026
Instrument	202601314

Lender

Name	DOUBLE BACKFLIP LLC
Type	Mortgage Company
Address	IDAHO FALLS, ID 83402

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2027

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 18, 2021
Property Address	577 ONTARIO ST, SCHENECTADY, NY 12306-4000
Document Number	0000051774
Book / Page	2069 / 549
Map Reference	MAP D-350
Instrument Date	Oct 12, 2021
Instrument	202151774
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount on Record
Tax	$220.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 MARKET ST, 13, SCOTIA, NY 12302-3005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	577 ONTARIO ST, SCHENECTADY, NY 12306-4000

Tax Assessment & Valuation

The 2026 property tax bill for 577 Ontario St was $4,556, up 2.4% 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	$4,556.00 (+2.38%)
2025	$4,450.00	$73,900 (-) Land $11,100 Building $62,800	$122,371 (+13.35%) Land $18,380 Building $103,991
2024		$73,900 (-) Land $11,100 Building $62,800	$107,962 (+15.41%) Land $16,216 Building $91,746
2023		$73,900 (-) Land $11,100 Building $62,800	$93,544 (+3.8%) Land $14,051 Building $79,493
2022		$73,900 Land $11,100 Building $62,800	$90,122 Land $13,537 Building $76,585
2021	$3,167.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 577 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.

Wildfire

The area around 577 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.

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 844 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Greenlight Networks.

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