Schenectady County and Schenectady City property record for 78 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 684 sqft · built 1905 |
| Lot Size | 0.08 acres (3,520 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $154,960 (Mar 2026) |
| Tax Bill | $3,441 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Mar 2025 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-24 |
| Primary APN | 421500 49.68-6-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 684 sqft Living Area |
| 1st Floor Area | 684 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,520 sqft (0.08 acres) |
| Lot Dimensions | 88 ft deep x 40 ft wide |
| Porch | Porch |
| Porch Area | 60 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 78 SPRUCE ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 1 WOOD |
| Legal Block | 6 |
| Legal Lot Number | 24.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 603 FAIRFAX ROW, WATERFORD, NY 12188-1083 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Mar 7, 2025 | Deed, Construction Loan · Construction Mortgage MAKO INTERNATIONAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2026 · Amount on Record |
| Deed Sale | Mar 12, 2026 · Amount on Record |
| Prior Sale | Mar 7, 2025 · Amount on Record |
| Deed Document Number | 20265116 |
| Deed Book / Page | 2167 / 932 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 12, 2026 |
| Property Address | 78 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000005116 |
| Instrument Date | Mar 3, 2026 |
| Instrument | 202605116 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2026 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 LAFAYETTE ST, SCHENECTADY, NY 12305-2406 |
| Name | Verified Name |
|---|---|
| Address | 603 FAIRFAX ROW, WATERFORD, NY 12188-1083 |
| Document Number | 0000005117 |
|---|---|
| Date | Mar 12, 2026 |
| Instrument | 202605117 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 7, 2025 |
| Property Address | 78 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000005502 |
| Instrument Date | Jan 9, 2025 |
| Instrument | 202505502 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $342.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4107 STONEFIELD WAY, SCHENECTADY, NY 12306-7001 |
| Name | Verified Name |
|---|---|
| Address | 1123 WAVERLY PL, SCHENECTADY, NY 12308-2611 |
| Investor | Possibly a Property Investor |
| Document Number | 0000005505 |
|---|---|
| Date | Mar 7, 2025 |
| Instrument | 202505505 |
| Name | MAKO INTERNATIONAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,441.00 (+4.56%) | ||
| 2025 | $3,291.00 (+7.02%) | $57,100 (-) Land $8,600 Building $48,500 | $94,552 (+30.82%) Land $14,241 Building $80,311 |
| 2023 | $57,100 (-) Land $8,600 Building $48,500 | $72,278 (+3.8%) Land $10,886 Building $61,392 | |
| 2022 | $57,100 Land $8,600 Building $48,500 | $69,634 Land $10,488 Building $59,146 | |
| 2021 | $3,075.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 95% 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.
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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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