Schenectady County and Schenectady City property record for 59 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,465 sqft · built 1910 |
| Lot Size | 0.064 acres (2,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (May 2020) |
| Tax Bill | $3,631 (2025) |
| Deeds & Mortgages | Jan 2024 Sale Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-16 |
| Primary APN | 421500 49.68-6-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,465 sqft Living Area |
| 1st Floor Area | 761 sqft |
| 2nd Floor Area | 704 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,800 sqft (0.064 acres) |
| Lot Dimensions | 70 ft deep x 40 ft wide |
| Porch | Slab |
| Porch Area | 180 sqft |
| Patio Area | 196 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 59 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 6 |
| Legal Lot Number | 16.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records · APN 421500 49.68-6-16
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2024 | Warranty Deed, Transfer |
| Aug 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| May 20, 2020 | Warranty Deed, Transfer · FHA Mortgage SEFCU MORTGAGE SERVICES |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 20, 2020 · Amount on Record |
| Deed Sale | May 20, 2020 · Amount on Record |
| Prior Sale | Jun 09, 2000 · Amount on Record |
| Deed Document Number | 202014461 |
| Deed Book / Page | 2034 / 896 |
| Prior Transfer Date | Mar 11, 2010 |
| Prior Transfer Doc | 0000011971 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 17, 2024 |
| Property Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Document Number | 0000003693 |
| Book / Page | 2123 / 789 |
| Instrument Date | Dec 06, 2023 |
| Instrument | 202403693 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Aug 17, 2021 |
| Property Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Document Number | 0000040185 |
| Book / Page | 2065 / 188 |
| Instrument Date | Aug 12, 2021 |
| Instrument | 202140185 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | NTA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE STREET #11, 11, COHOES, NY 12047 |
| Name | Verified Name |
|---|---|
| Address | 94 REMSEN ST # 1, 1, COHOES, NY 12047-2982 |
| Document Number | 0000040188 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | 202140188 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 20, 2020 |
| Property Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Document Number | 0000014461 |
| Book / Page | 2034 / 896 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 202014461 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE ST, 59, SCHENECTADY, NY 12304-1402 |
| Name | Verified Name |
|---|---|
| Address | 59 SPRUCE ST, SCHENECTADY, NY 12304-1402 |
| Document Number | 0000014462 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 202014462 |
| Name | SEFCU MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,631.00 (+6.42%) | $65,400 (-) Land $9,800 Building $55,600 | $108,296 (+30.82%) Land $16,228 Building $92,068 |
| 2023 | $65,400 (-) Land $9,800 Building $55,600 | $82,785 (+3.8%) Land $12,405 Building $70,380 | |
| 2022 | $65,400 Land $9,800 Building $55,600 | $79,756 Land $11,951 Building $67,805 | |
| 2021 | $3,412.00 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 217 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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