Schenectady County and Schenectady City property record for 655 Orchard St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,463 sqft · built 1850 |
| Lot Size | 0.11 acres (4,795 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (May 2022) |
| Tax Bill | $4,739 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Sep 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.46-3-29 |
| Primary APN | 421500 49.46-3-29 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,463 sqft Living Area |
| 1st Floor Area | 749 sqft |
| 2nd Floor Area | 714 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 4,795 sqft (0.11 acres) |
| Lot Dimensions | 137 ft deep x 35 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 84 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 655 ORCHARD ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 29.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 21400 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 655 ORCHARD ST, SCHENECTADY, NY 12303-1661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Sep 28, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jan 5, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 2022 · Amount on Record |
| Deed Sale | May 13, 2022 · Amount on Record |
| Prior Sale | Sep 28, 2017 · Amount on Record |
| Deed Document Number | 202225569 |
| Deed Book / Page | 2084 / 606 |
| Prior Transfer Date | Sep 21, 2017 |
| Prior Transfer Doc | 0000044124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 13, 2022 |
| Property Address | 655 ORCHARD ST, SCHENECTADY, NY 12303-1661 |
| Document Number | 0000025569 |
| Book / Page | 2084 / 606 |
| Instrument Date | May 2, 2022 |
| Instrument | 202225569 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 ORCHARD ST, SCHENECTADY, NY 12303-1661 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 565 PORTLAND AVE, NORTH BALDWIN, NY 11510-2640 |
| Document Number | 0000025570 |
|---|---|
| Date | May 13, 2022 |
| Instrument | 202225570 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 28, 2017 |
| Property Address | 655 ORCHARD ST, SCHENECTADY, NY 12303-1661 |
| Document Number | 0000044123 |
| Book / Page | 001972 / 000246 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 44123 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 5, 2017 |
| Property Address | 655 ORCHARD ST, SCHENECTADY, NY 12303-1661 |
| Document Number | 0000000718 |
| Book / Page | 001953 / 000799 |
| Instrument Date | Dec 28, 2016 |
| Instrument | 718 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,739.00 (+3.49%) | ||
| 2025 | $4,579.00 (+12.4%) | $88,500 (-) Land $12,400 Building $76,100 | $146,547 (+30.82%) Land $20,533 Building $126,014 |
| 2023 | $88,500 (+7.01%) Land $12,400 Building $76,100 | $112,025 (+11.08%) Land $15,696 Building $96,329 | |
| 2022 | $82,700 Land $12,400 Building $70,300 | $100,854 Land $15,122 Building $85,732 | |
| 2021 | $4,074.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 729 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 |
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