712 Craig St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 712 Craig St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,908 sqft · built 1910
Lot Size	0.156 acres (6,830 sqft)
Owner	Company Name on Record
Last Sale	$165,000 (Dec 2023)
Tax Bill	$6,004 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.40-5-30`

Property Details

APN / Parcel Number

Primary APN	`421500 49.40-5-30`
Alternative APN	`150004904000050300000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,908 sqft Total Area
1st Floor Area	954 sqft
2nd Floor Area	954 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,830 sqft (0.156 acres)
Lot Dimensions	122 ft deep x 56 ft wide
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	712 CRAIG ST
City	SCHENECTADY
State	NY
Zip	12307-1820
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	GORE LOT 2 WOOD
Legal Block	5
Legal Lot Number	30.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4001
Census Tract	20900

Owner

Source: Schenectady County and Schenectady City records, as of April 14, 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	712 CRAIG ST, SCHENECTADY, NY 12307-1820
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Warranty Deed, Transfer THE NATIONAL BANK OF COXSACKIE
Jul 15, 2020	Deed of Trust, Mortgage RHINEBECK SAVINGS BANK
Feb 7, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Prior Sale	Feb 7, 2019 · Amount on Record
Deed Document Number	202372545
Deed Book / Page	2121 / 950
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 27, 2023
Property Address	712 CRAIG ST, SCHENECTADY, NY 12307-1820
Document Number	0000072545
Book / Page	2121 / 950
Instrument Date	Nov 10, 2023
Instrument	202372545
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 LOGANS WAY, HOPEWELL JUNCTION, NY 12533-3401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2944 BECKER STREET, SCHENECTADY, NY 12304

Mortgage

Document Number	0000072546
Date	Dec 27, 2023
Instrument	202372546

Lender

Name	THE NATIONAL BANK OF COXSACKIE
Type	Bank

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	7.48%
Change Frequency	6 Months
Index	SOFR Average 30-Day
Margin	3

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	712 CRAIG ST, SCHENECTADY, NY 12307-1820
Transaction Type	Mortgage
Record Updated	May 30, 2022
Title Company	OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020386
Date	Jul 15, 2020
Book Page	5003/905
Instrument	202020386

Lender

Name	RHINEBECK SAVINGS BANK
Type	Bank
Address	POUGHKEEPSIE, NY 12601

Agreement

Amount	Amount Recorded

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 7, 2019
Property Address	712 CRAIG ST, SCHENECTADY, NY 12307-1820
Document Number	0000005617
Book / Page	002005 / 000140
Instrument Date	Feb 1, 2019
Instrument	5617
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	54 LOGANS WAY HOPEWELL JUNCTION NY 125333402, HOPEWELL JUNCTION, NY 12533-3402

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
2025	$6,004.00 (+47.52%)	$102,400 (+58.02%) Land $10,900 Building $91,500	$169,564 (+106.72%) Land $18,049 Building $151,515
2023		$64,800 (-) Land $10,900 Building $53,900	$82,025 (+3.8%) Land $13,797 Building $68,228
2022		$64,800 Land $10,900 Building $53,900	$79,024 Land $13,293 Building $65,731
2021	$4,070.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 749 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

May also be available: Massivemesh Networks.

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