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656 Sunset St, Schenectady, NY 12303 Property Records

Schenectady County and Schenectady City property record for 656 Sunset St, Schenectady, NY 12303 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1920
Square Footage1,424 sqft Living Area
Lot Size6,020 sqft (0.138 acres)
OccupancyOwner Occupied
Last Sale$180,000 (2024)
Tax Bill$3,578.00 (2025)

Property Details

APN / Parcel Number

Primary APN421500 49.46-1-8
Alternative APN
  • 150004904600010080000000

Interior

Bedrooms3 Beds
Full Baths1 Baths
Total Rooms6 Rooms
Building Area1,424 sqft Living Area
1st Floor712 sqft 1st Floor
2nd Floor712 sqft 2nd Floor
Stories2 Stories

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleTraditional Style
Exterior MaterialComposition/Composite Exterior
Lot Area6,020 sqft (0.138 acres)
Depth X Width172 ft x 35 ft Depth x Width
Porch Area226 sqft Porch

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelOil Heating Fuel
SewageMunicipal Sewage
Water SourceCommercial Water Source

Location & Zoning

Street Address656 SUNSET ST
CitySCHENECTADY
StateNY
Zip12303-1652
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number8.000
JurisdictionSCHENECTADY NY
Minor Civil DivisionSCHENECTADY
Census Blockgroup4
Census Block4000
Census Tract21400

Owner

Source: Schenectady County and Schenectady City records · APN 421500 49.46-1-8

Assessment roll updated April 14, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2026Quit Claim Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 05, 2024Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Sep 09, 2022Quit Claim Arm's Length for NE States, Transfer
Oct 25, 2019Correction Deed
NOT AVAILABLE
Sep 20, 2019Correction Deed
NOT AVAILABLE
Sep 06, 2019Tax Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 05, 2024 · Amount on Record
Deed SaleAug 05, 2024 · Amount on Record
Prior SaleSep 09, 2022 · Amount on Record
Deed Doc Number202445766
Deed Book / Page2134 / 861
Prior Transfer DateSep 01, 2022
Prior Transfer Doc0000048072
Record RefreshedSep 20, 2026

March 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateMar 18, 2026
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000005731
Instrument DateFeb 13, 2026
Instrument202605731
Transaction TypeTransfer
Record UpdatedApr 28, 2026
Title CompanyPRIORITY 1 ABSTRACT

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address256 DUANE AVE, SCHENECTADY, NY 12307-1620

Transferred To (Grantee/Buyer)

NameVerified Name
Address656 SUNSET ST, SCHENECTADY, NY 12303-1652

Mortgage

Document Number0000005732
DateMar 18, 2026
Instrument202605732
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2056

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateAug 05, 2024
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000045766
Book / Page2134 / 861
Map ReferenceMAP 2
Instrument DateJun 20, 2024
Instrument202445766
Transaction TypeTransfer
Record UpdatedApr 14, 2026
Title CompanySTEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$720.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address656 SUNSET ST, SCHENECTADY, NY 12303-1652

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1153 CHRISLER AVE, SCHENECTADY, NY 12303-1242

Mortgage

Document Number0000045767
DateAug 05, 2024
Instrument202445767
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term359 Months
DueJul 01, 2054

September 2022: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionSCHENECTADY NY
Recording DateSep 09, 2022
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000048072
Book / Page2092 / 614
Instrument DateSep 01, 2022
Instrument202248072
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

AmountAmount Recorded
Tax$100.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address105 JAY ST, SCHENECTADY, NY 12305-1905

Transferred To (Grantee/Buyer)

NameVerified Name
Address14026 FRANKLIN AVE APT 4C, 4C, FLUSHING, NY 11355-2674

October 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionSCHENECTADY NY
Recording DateOct 25, 2019
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000048700
Book / Page002022 / 000790
Instrument DateOct 24, 2019
Instrument48700
Record UpdatedNov 12, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

September 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionSCHENECTADY NY
Recording DateSep 20, 2019
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000042254
Book / Page002020 / 000487
Instrument DateSep 18, 2019
Instrument42254
Record UpdatedOct 11, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

September 2019: Tax Deed, Transfer

Document TypeTax Deed
JurisdictionSCHENECTADY NY
Recording DateSep 06, 2019
Property Address656 SUNSET ST, SCHENECTADY, NY 12303-1652
Document Number0000039878
Book / Page002019 / 000268
Instrument DateAug 27, 2019
Instrument39878
Transaction TypeTransfer
Record UpdatedOct 08, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City records · Assessment roll updated April 14, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,578.00 (+658.05%)$107,000 (+79.83%) Land $8,900 Building $98,100$177,182 (+135.25%) Land $14,738 Building $162,444
2023$59,500 (-) Land $8,900 Building $50,600$75,316 (+3.8%) Land $11,266 Building $64,050
2022$59,500 Land $8,900 Building $50,600$72,561 Land $10,854 Building $61,707
2021$472.00

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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