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77 Elm St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 77 Elm St, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,779 sqft · built 1905
Lot Size0.108 acres (4,719 sqft)
OwnerIndividual Name on File
Last Sale$53,000 (Aug 2017)
Tax Bill$4,018 (2026)
Deeds & MortgagesAug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 49.59-3-30

Property Details

APN / Parcel Number

Primary APN421500 49.59-3-30
Alternative APN
  • 150004905900030300000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,779 sqft Living Area
1st Floor Area768 sqft
2nd Floor Area704 sqft
Upper Floors Area307 sqft
AtticAttic
Attic Area307 sqft

Exterior

Year BuiltBuilt 1905
Effective Year BuiltEffective 1905
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area4,719 sqft (0.108 acres)
Lot Dimensions143 ft deep x 33 ft wide

Exterior Amenities

PorchSlab
Porch Area260 sqft
Shed1 Shed
Shed Area144 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address77 ELM ST
CitySCHENECTADY
StateNY
Zip12304-1201
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Description2 WOOD
Legal Block3
Legal Lot Number30.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group4
Census Block4004
Census Tract20700

Owner

77 Elm St is owned and occupied by an individual who bought it in August 2017.

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

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

Owner of RecordIndividual Name on File
Mailing Address77 ELM ST, SCHENECTADY, NY 12304-1201
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 9, 2017 · Amount on File
Deed SaleAug 9, 2017 · Amount on File
Prior SaleAug 5, 2005 · Amount on File
Deed Document Number201735798
Deed Book / Page1968 / 754
Record UpdatedOct 29, 2026

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateAug 9, 2017
Property Address77 ELM ST, SCHENECTADY, NY 12304-1201
Document Number0000035798
Book / Page1968 / 754
Map ReferenceMB 1712 PG 203
Instrument DateAug 1, 2017
Instrument201735798
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$212.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address77 ELM ST, 77, SCHENECTADY, NY 12304-1201

Transferred To (Grantee/Buyer)

NameVerified Name
Address690 CENTRAL AVE, ALBANY, NY 12206-1612

Mortgage

Document Number0000035800
DateAug 9, 2017
Instrument201735800
Lender
NameSEFCU MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 77 Elm St was $4,018, up 2.7% 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$4,018.00 (+2.68%)
2025$3,913.00$70,000 Land $10,500 Building $59,500$115,913 Land $17,387 Building $98,526
2023$70,000 (-) Land $10,500 Building $59,500$88,608 (+3.8%) Land $13,291 Building $75,317
2022$70,000 Land $10,500 Building $59,500$85,366 Land $12,805 Building $72,561
2021$3,677.00

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

Flood

FEMA maps place 77 Elm 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

Wildfire risk around 77 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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 924 locations within half a mile, as of December 31, 2025

ProviderMax 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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