Schenectady County and Schenectady City property record for 7 Frank St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,368 sqft · built 1900 |
| Lot Size | 0.088 acres (3,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $13,500 (Jun 2017) |
| Tax Bill | $4,261 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.76-4-20 |
| Primary APN | 421500 49.76-4-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,368 sqft Living Area |
| 1st Floor Area | 796 sqft |
| 2nd Floor Area | 572 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,840 sqft (0.088 acres) |
| Lot Dimensions | 120 ft deep x 32 ft wide |
| Porch | Slab |
| Porch Area | 126 sqft |
| Canopy | 196 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 7 FRANK ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Subdivision | ESTATE OF NICOLAS MYERS |
| Legal Block | 4 |
| Legal Lot Number | 20.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21700 |
7 Frank St is owned and occupied by two individuals who bought it in June 2017.
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 File |
|---|---|
| Mailing Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Mar 5, 2019 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Jun 20, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 8, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 8, 2017 | Quit Claim Deed, Transfer CITY OF SCHENECTADY |
| Jan 5, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2017 · Amount on File |
| Deed Sale | Jun 8, 2017 · Amount on File |
| Prior Sale | Jan 24, 2007 · Amount on File |
| Deed Document Number | 201725284 |
| Deed Book / Page | 1964 / 410 |
| Prior Transfer Date | Jun 5, 2017 |
| Prior Transfer Doc | 0000025284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000026031 |
|---|---|
| Date | May 17, 2022 |
| Book Page | 5226/929 |
| Instrument | 202226031 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 6, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009401 |
|---|---|
| Date | Mar 5, 2019 |
| Book Page | 4897/832 |
| Instrument | 201909401 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 20, 2018 |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000027253 |
| Book / Page | 001989 / 000722 |
| Instrument Date | May 22, 2018 |
| Instrument | 27253 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7 FRANK ST SCHENECTADY NY 123043106, SCHENECTADY, NY 12304-3106 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 8, 2017 |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000025283 |
| Book / Page | 001964 / 000407 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 25283 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2017 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 8, 2017 |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000025284 |
| Book / Page | 001964 / 000410 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 25284 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $54.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 FRANK ST SCHENECTADY NY 123043106, SCHENECTADY, NY 12304-3106 |
| Document Number | 25285 |
|---|---|
| Date | Jun 8, 2017 |
| Book Page | 004765/000235 |
| Instrument | 25285 |
| Name | CITY OF SCHENECTADY |
|---|---|
| Address | 105 JAY ST, SCHENECTADY, NY 12305-1905 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Jun 7, 2022 |
| Rate | 9% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 5, 2017 |
| Property Address | 7 FRANK ST, SCHENECTADY, NY 12304-3106 |
| Document Number | 0000000718 |
| Book / Page | 001953 / 000799 |
| Instrument Date | Dec 28, 2016 |
| Instrument | 718 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 105 JAY ST SCHENECTADY NY 123051905, SCHENECTADY, NY 12305-1905 |
The 2026 property tax bill for 7 Frank St was $4,261, up 2.6% from the year before.
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 | $4,261.00 (+2.55%) | ||
| 2025 | $4,155.00 | $75,900 Land $11,400 Building $64,500 | $125,683 Land $18,877 Building $106,806 |
| 2023 | $75,900 (-) Land $11,400 Building $64,500 | $96,076 (+3.8%) Land $14,430 Building $81,646 | |
| 2022 | $75,900 Land $11,400 Building $64,500 | $92,561 Land $13,902 Building $78,659 | |
| 2021 | $3,916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Frank St in Zone X, an area of minimal flood risk.
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.
The area around 7 Frank St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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 |
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