6 Frank St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 6 Frank St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,068 sqft · built 1910
Lot Size	0.176 acres (7,680 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Feb 2023)
Tax Bill	$3,989 (2025)
Deeds & Mortgages	Feb 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.84-2-12`

Property Details

APN / Parcel Number

Primary APN	`421500 49.84-2-12`
Alternative APN	`150004908400020120000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,068 sqft Living Area
1st Floor Area	593 sqft
2nd Floor Area	475 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	7,680 sqft (0.176 acres)
Lot Dimensions	120 ft deep x 64 ft wide
Porch	Slab
Porch Area	222 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	6 FRANK ST
City	SCHENECTADY
State	NY
Zip	12304-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	28 & 29 2 WOOD
Legal Block	2
Legal Lot Number	12.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2003
Census Tract	21700

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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 Record
Mailing Address	6 FRANK ST, SCHENECTADY, NY 12304-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2023 · Amount on Record
Deed Sale	Feb 8, 2023 · Amount on Record
Deed Document Number	20237496
Deed Book / Page	2102 / 546
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	6 FRANK ST, SCHENECTADY, NY 12304-3107
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	CHICAGO TITLE ALBANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 ALBANY ST, SCHENECTADY, NY 12307-1513

Mortgage

Document Number	0000007497
Date	Feb 8, 2023
Book Page	5288/788
Instrument	202307497

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 28, 2053

Tax Assessment & Valuation

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
2025	$3,989.00 (+7.23%)	$73,000 (-) Land $11,000 Building $62,000	$120,881 (+30.82%) Land $18,215 Building $102,666
2023		$73,000 (-) Land $11,000 Building $62,000	$92,405 (+3.8%) Land $13,924 Building $78,481
2022		$73,000 Land $11,000 Building $62,000	$89,024 Land $13,415 Building $75,609
2021	$3,720.00

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

Flood

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

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 639 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
T-Mobile Fixed Wireless	100 / 20