605 Bluff Ave, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 605 Bluff Ave, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,310 sqft · built 1900
Lot Size	0.116 acres (5,075 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Mar 2019)
Tax Bill	$5,469 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.38-1-47`

Property Details

APN / Parcel Number

Primary APN	`421500 49.38-1-47`
Alternative APN	`150004903800010470000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,310 sqft Total Area
1st Floor Area	655 sqft
2nd Floor Area	655 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,075 sqft (0.116 acres)
Lot Dimensions	145 ft deep x 35 ft wide
Porch	Slab
Porch Area	405 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	605 BLUFF AVE
City	SCHENECTADY
State	NY
Zip	12303-1629
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD 0004110531 30,000
Legal Block	1
Legal Lot Number	47.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4000
Census Tract	21400

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 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	2084 CHEPSTOW RD, SCHENECTADY, NY 12303-2330
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2019	Bargain and Sale Deed, Transfer · Conventional Mortgage TRUSTCO BANK
Aug 17, 2017	Deed, Transfer · Conventional Mortgage US MORTGAGE CORP
Jun 29, 2017	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2019 · Amount on Record
Deed Sale	Mar 7, 2019 · Amount on Record
Prior Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	201910007
Deed Book / Page	2006 / 942
Prior Transfer Date	Mar 27, 2017
Prior Transfer Doc	0000029250
Record Updated	Oct 29, 2026

March 2019: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Mar 7, 2019
Property Address	605 BLUFF AVE, SCHENECTADY, NY 12303-1629
Document Number	0000010007
Book / Page	2006 / 942
Instrument Date	Feb 1, 2019
Instrument	201910007
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	258 STATE ROUTE 10, 258, SUMMIT, NY 12175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	842 MAPLEWOOD AVE, SCHENECTADY, NY 12303-1221

Mortgage

Document Number	0000010008
Date	Mar 7, 2019
Instrument	201910008

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Jun 3, 2044

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 17, 2017
Property Address	605 BLUFF AVE, SCHENECTADY, NY 12303-1629
Document Number	0000037186
Book / Page	1969 / 355
Instrument Date	Aug 14, 2017
Instrument	201737186
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	WESTCOR LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 OLD COUNTRY RD STE 140, 201, MELVILLE, NY 11747-2731

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2588 STATE ROUTE 10, SUMMIT, NY 12175-2500

Mortgage

Document Number	0000037188
Date	Aug 17, 2017
Instrument	201737188

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

June 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 29, 2017
Property Address	605 BLUFF AVE, SCHENECTADY, NY 12303-1629
Document Number	0000029250
Book / Page	001966 / 000030
Instrument Date	Mar 27, 2017
Instrument	29250
Transaction Type	Foreclosure
Record Updated	Jul 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$152.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 OLD COUNTRY RD #140 MELVILLE NY 117472731, 140, MELVILLE, NY 11747-2731

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
2026	$5,469.00 (+3.64%)
2025	$5,277.00 (+8.09%)	$85,800 (-) Land $12,900 Building $72,900	$142,077 (+30.82%) Land $21,361 Building $120,716
2023		$85,800 (-) Land $12,900 Building $72,900	$108,608 (+3.8%) Land $16,329 Building $92,279
2022		$85,800 Land $12,900 Building $72,900	$104,634 Land $15,732 Building $88,902
2021	$4,882.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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	Direct burnable vegetation

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 585 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.

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