655 Crane St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 655 Crane St, Schenectady, NY 12303

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,040 sqft · built 1920
Lot Size	0.093 acres (4,059 sqft)
Owner	Individual Name on Record
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Feb 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`421500 49.39-1-19`

Property Details

APN / Parcel Number

Primary APN	`421500 49.39-1-19`
Alternative APN	`150004903900010190000000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,040 sqft Total Area
1st Floor Area	1,020 sqft
2nd Floor Area	1,020 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,059 sqft (0.093 acres)
Lot Dimensions	123 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	350 sqft
Patio Area	800 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 CRANE ST
City	SCHENECTADY
State	NY
Zip	12303-1134
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	05 - COMME
Legal Description	2 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1005
Census Tract	21400

Owner

Source: Schenectady County and Schenectady City records, as of August 4, 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	655 CRANE ST, SCHENECTADY, NY 12303-1134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2025	Deed of Trust, Mortgage · Line of Credit SUNMARK FCU
Feb 7, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 18, 2024
Transfer Doc	0000007689
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	655 CRANE ST, SCHENECTADY, NY 12303-1134
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 CRANE ST, SCHENECTADY, NY 12303-1134

Mortgage

Document Number	0000020626
Date	Aug 29, 2025
Instrument	202520626

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	SCHENECTADY, NY 12303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	238 Months
Due	Jun 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 7, 2024
Property Address	655 CRANE ST, SCHENECTADY, NY 12303-1134
Document Number	0000007689
Book / Page	2125 / 106
Instrument Date	Jan 18, 2024
Instrument	202407689
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	655 CRANE ST, SCHENECTADY, NY 12303-1134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 CRANE ST, SCHENECTADY, NY 12303-1134

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	$4,504.00 (+9.43%)	$66,900 (-) Land $10,000 Building $56,900	$110,780 (+30.82%) Land $16,559 Building $94,221
2023		$66,900 (-) Land $10,000 Building $56,900	$84,684 (+3.8%) Land $12,658 Building $72,026
2022		$66,900 Land $10,000 Building $56,900	$81,585 Land $12,195 Building $69,390
2021	$4,116.00

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 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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