Schenectady County and Schenectady City property record for 78 Linden St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,461 sqft · built 1910 |
| Lot Size | 0.107 acres (4,700 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,810 (2026) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.60-1-17 |
| Primary APN | 421500 49.60-1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,461 sqft Living Area |
| 1st Floor Area | 837 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,700 sqft (0.107 acres) |
| Lot Dimensions | 100 ft deep x 47 ft wide |
| Garage Type | Detached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 147 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 78 LINDEN ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AND HALF OF 117 2 WOOD AND GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 20700 |
78 Linden St is owned and occupied by two individuals who acquired it in January 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78 LINDEN ST, SCHENECTADY, NY 12304-1225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 24, 2025 |
| Transfer Doc | 0000008077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 78 LINDEN ST, SCHENECTADY, NY 12304-1225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008763 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 4975/912 |
| Instrument | 202008763 |
| Name | PIONEER BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Dec 10, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 78 Linden St was $3,810 with exemptions applied, down 13.4% 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 | $3,810.00 (-13.45%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $4,402.00 | $95,800 Land $14,400 Building $81,400 | $158,636 Land $23,845 Building $134,791 |
| 2023 | $95,800 (-) Land $14,400 Building $81,400 | $121,266 (+3.8%) Land $18,228 Building $103,038 | |
| 2022 | $95,800 Land $14,400 Building $81,400 | $116,829 Land $17,561 Building $99,268 | |
| 2021 | $4,034.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Linden St 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 78 Linden 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 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 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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