Schenectady County and Schenectady City property record for 70 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,469 sqft · built 1905 |
| Lot Size | 0.161 acres (7,040 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $91,000 (Dec 2018) |
| Tax Bill | $4,522 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jul 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-23 |
| Primary APN | 421500 49.68-6-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,469 sqft Living Area |
| 1st Floor Area | 765 sqft |
| 2nd Floor Area | 704 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,040 sqft (0.161 acres) |
| Lot Dimensions | 88 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 306 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 70 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 20 2 WOOD & GARAGE |
| Legal Block | 6 |
| Legal Lot Number | 23.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jul 7, 2023 | Intrafamily Transfer, Transfer |
| Oct 22, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Dec 18, 2018 | Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on Record |
| Deed Sale | Dec 18, 2018 · Amount on Record |
| Deed Document Number | 201855204 |
| Deed Book / Page | 2002 / 55 |
| Last Transfer Date | Jun 28, 2023 |
| Transfer Doc | 0000039080 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|---|
| Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000051920 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 5330/788 |
| Instrument | 202351920 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 26, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 7, 2023 |
| Property Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000039080 |
| Book / Page | 2111 / 512 |
| Instrument Date | Jun 28, 2023 |
| Instrument | 202339080 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Name | Verified Name |
|---|---|
| Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 22, 2020 |
| Property Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000033008 |
| Book / Page | 002044 / 000093 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 33008 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 SPRUCE ST SCHENECTADY NY 123041403, SCHENECTADY, NY 12304-1403 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 18, 2018 |
| Property Address | 70 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000055204 |
| Book / Page | 002002 / 000055 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 55204 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $364.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 511 MCCLELLAN ST SCHENECTADY NY 123041006, SCHENECTADY, NY 12304-1006 |
| Document Number | 55206 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 004884/000726 |
| Instrument | 55206 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2048 |
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 | $4,522.00 (+2.42%) | ||
| 2025 | $4,415.00 (+6.16%) | $79,950 (-) Land $14,900 Building $65,050 | $132,389 (+30.82%) Land $24,673 Building $107,716 |
| 2023 | $79,950 (-) Land $14,900 Building $65,050 | $101,203 (+3.8%) Land $18,861 Building $82,342 | |
| 2022 | $79,950 Land $14,900 Building $65,050 | $97,500 Land $18,171 Building $79,329 | |
| 2021 | $4,159.00 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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