704 Union St, Schenectady, NY 12305 Property Records

Schenectady County and Schenectady City property record for 704 Union St, Schenectady, NY 12305

Property Summary

Property Type	Triplex
Details	7 bd · 5 ba · 3,872 sqft · built 1981
Lot Size	0.073 acres (3,164 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (May 2018)
Tax Bill	$10,764 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.73-1-2`

Property Details

APN / Parcel Number

Primary APN	`421500 39.73-1-2`
Alternative APNs	`150003907300010020000000` `421500 39.73-1-2.1`

Interior

Bedrooms	7 Beds
Full Baths	5 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,872 sqft Total Area
1st Floor Area	1,676 sqft
2nd Floor Area	1,676 sqft
Attic	Attic
Attic Area	520 sqft
Basement Area	1,676 sqft
Unfinished Basement	1,676 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,164 sqft (0.073 acres)
Lot Dimensions	114 ft deep x 49.8 ft wide
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	704 UNION ST
City	SCHENECTADY
State	NY
Zip	12305-1541
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Subdivision	URBAN RENEWAL PROJECT NYR 7
Legal Block	1
Legal Lot Number	2.001
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1000
Census Tract	21001

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Union Street Historic District listed 1982 · 184 contributing resources · NRIS 82001268

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Company Name on Record
Mailing Address	23 BLUE JAY WAY, REXFORD, NY 12148-1333
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage BALLSTON SPA NATIONAL BANK
Jan 8, 2020	Warranty Deed, Transfer · Conventional with PMI JACKSON G DUNN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Deed Document Number	201819039
Deed Book / Page	1986 / 408
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	704 UNION ST, SCHENECTADY, NY 12305-1541
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BLUE JAY WAY, REXFORD, NY 12148-1332

Mortgage

Document Number	0000013498
Date	Mar 15, 2022
Book Page	5209/768
Instrument	202213498

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Amount	Amount Recorded

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 8, 2020
Property Address	704 UNION ST, SCHENECTADY, NY 12305-1505
Document Number	0000000708
Book / Page	002028 / 000005
Instrument Date	Dec 30, 2019
Instrument	708
Transaction Type	Transfer
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28 BLUE JAY WAY REXFORD NY 121481332, REXFORD, NY 12148-1332

Mortgage

Document Number	709
Date	Jan 8, 2020
Book Page	004965/000258
Instrument	709

Lender

Name	JACKSON G DUNN
Address	844 HICKORY HILL RD, FORT PLAIN, NY 13339-2104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	24 Months
Due	Jan 7, 2022

Interest

Rate	7%

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
2026	$10,764.00 (+3.21%)
2025	$10,429.00	$169,700 (-) Land $11,100 Building $158,600	$281,007 (+30.82%) Land $18,381 Building $262,626
2023		$169,700 Land $11,100 Building $158,600	$214,810 Land $14,051 Building $200,759

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 554 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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