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705 Ontario St, Schenectady, NY 12306 Property Records

Schenectady County and Schenectady City property record for 705 Ontario St, Schenectady, NY 12306

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,879 sqft · built 1925
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$56,000 (Nov 2003)
Tax Bill$5,097 (2026)
Deeds & MortgagesJan 2023 Mortgage
Apr 2021 Sale
Flood ZoneZone X (minimal risk)
APN421500 48.67-3-25

Property Details

APN / Parcel Number

Primary APN421500 48.67-3-25
Alternative APN
  • 150004806700030250000000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area1,879 sqft Total Area
1st Floor Area1,118 sqft
Upper Floors Area761 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleCottage
Exterior MaterialAluminum/Vinyl
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
PorchPorch
Porch Area300 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address705 ONTARIO ST
CitySCHENECTADY
StateNY
Zip12306-4014
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning Code03 - MULTI
Legal Description1X WOOD
Legal Block3
Legal Lot Number25.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group4
Census Block4009
Census Tract33200

Owner

705 Ontario St, a duplex, is owned and occupied by an individual who bought it in November 2003.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of RecordIndividual Name on File
Mailing Address705 ONTARIO ST, SCHENECTADY, NY 12306-4014
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Jan 6, 2023Deed of Trust, Mortgage · Conventional Mortgage
SUNMARK FCU
Apr 7, 2021Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 10, 2003 · Amount on File
Deed SaleNov 10, 2003 · Amount on File
Deed Book / Page1664 / 328
Record UpdatedOct 29, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address705 ONTARIO ST, SCHENECTADY, NY 12306-4014
Transaction TypeMortgage
Record UpdatedJan 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address705 ONTARIO ST, SCHENECTADY, NY 12306-4014

Mortgage

Document Number0000000893
DateJan 6, 2023
Book Page5282/36
Instrument202300893
Lender
NameSUNMARK FCU
TypeCredit Union
AddressLATHAM, NY 12110
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term239 Months
DueDec 28, 2042

April 2021: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateApr 7, 2021
Property Address705 ONTARIO ST, SCHENECTADY, NY 12306-4014
Document Number0000015515
Book / Page2056 / 212
Instrument DateNov 6, 2003
Instrument202115515
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount on Record
Tax$232.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address21 LYNN DR, 21, ALBANY, NY 12205-4918

Transferred To (Grantee/Buyer)

NameVerified Name
Address705 ONTARIO ST, SCHENECTADY, NY 12306-4014

Tax Assessment & Valuation

The 2026 property tax bill for 705 Ontario St was $5,097 with a homeowner's exemption, up 5.1% from the year before.

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,097.00 (+5.11%) Homeowner's exemption
2025$4,849.00$98,400 Land $14,800 Building $83,600$162,941 Land $24,507 Building $138,434
2023$98,400 (-) Land $14,800 Building $83,600$124,557 (+3.8%) Land $18,734 Building $105,823
2022$98,400 Land $14,800 Building $83,600$120,000 Land $18,049 Building $101,951
2021$4,438.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 705 Ontario St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 705 Ontario 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 RiskNot 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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 844 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

May also be available: Greenlight Networks.

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