Schenectady County and Schenectady City property record for 707 South Ave, Schenectady, NY 12305
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 1,722 sqft · built 1900 |
| Lot Size | 0.085 acres (3,741 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Jan 2008) |
| Tax Bill | $4,604 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.65-3-39 |
| Primary APN | 421500 39.65-3-39 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,722 sqft Total Area |
| 1st Floor Area | 861 sqft |
| 2nd Floor Area | 861 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,741 sqft (0.085 acres) |
| Lot Dimensions | 129 ft deep x 29 ft wide |
| Porch | Slab |
| Porch Area | 287 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 707 SOUTH AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12305-1214 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 39.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 20300 |
707 South Ave, a duplex, is owned by an individual who bought it in January 2008.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 26 SARATOGA LAKE RD, SARATOGA SPRINGS, NY 12866-6638 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2008 · Amount on File |
| Deed Sale | Jan 9, 2008 · Amount on File |
| Prior Sale | Jul 24, 2007 · Amount on File |
| Deed Book / Page | 1774 / 633 |
| Prior Transfer Date | Jul 18, 2007 |
| Prior Transfer Doc | 1764000303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 707 SOUTH AVE, SCHENECTADY, NY 12305-1214 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Title Company | FRONTIER ABSTRACT AND RESEARCH, FRONTIER ABSTRACT & RESEARCH |
| Name | Verified Name |
|---|---|
| Address | 26 SARATOGA LAKE RD, SARATOGA SPRINGS, NY 12866-6638 |
| Document Number | 0000005681 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 202605681 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2026 property tax bill for 707 South Ave was $4,604, up 4.2% 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 | $4,604.00 (+4.23%) | ||
| 2025 | $4,417.00 | $71,700 Land $10,800 Building $60,900 | $118,728 Land $17,884 Building $100,844 |
| 2023 | $71,700 (-) Land $10,800 Building $60,900 | $90,759 (+3.8%) Land $13,671 Building $77,088 | |
| 2022 | $71,700 Land $10,800 Building $60,900 | $87,439 Land $13,171 Building $74,268 | |
| 2021 | $4,074.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 707 South Ave 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 707 South Ave 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 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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