76 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 76 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,808 sqft · built 1900
Lot Size	0.108 acres (4,719 sqft)
Owner	Individual Name on Record
Tax Bill	$4,015 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Aug 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-17`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-17`
Alternative APN	`150004905900030170000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,808 sqft Total Area
1st Floor Area	904 sqft
2nd Floor Area	904 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	415 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	76 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	17.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20700

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	Individual Name on Record
Mailing Address	76 DIVISION ST, SCHENECTADY, NY 12304-1104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · FHA Mortgage KEY BANK NA
Aug 13, 2024	Deed of Trust, Mortgage · FHA Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	76 DIVISION ST, SCHENECTADY, NY 12304-1104
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 DIVISION ST, SCHENECTADY, NY 12304-1104

Mortgage

Document Number	0000037525
Date	Jun 28, 2023
Book Page	5313/377
Instrument	202337525

Lender

Name	KEY BANK NA
Type	Bank
Address	SCHENECTADY, NY 12304

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	76 DIVISION ST, SCHENECTADY, NY 12304-1104
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 DIVISION ST, SCHENECTADY, NY 12304-1104

Mortgage

Document Number	0000047476
Date	Aug 13, 2024
Book Page	5388/791
Instrument	202447476

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2054

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	$4,015.00 (+14.58%)	$87,300 (-) Land $13,100 Building $74,200	$144,560 (+30.82%) Land $21,692 Building $122,868
2023		$87,300 (-) Land $13,100 Building $74,200	$110,506 (+3.8%) Land $16,582 Building $93,924
2022		$87,300 Land $13,100 Building $74,200	$106,463 Land $15,976 Building $90,487
2021	$3,504.00

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	Low lower than 99.1% of the US · lower than 99.2% 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.

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 924 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: T-Mobile.

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