Schenectady County and Schenectady City property record for 79 James St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,392 sqft · built 1900 |
| Lot Size | 0.075 acres (3,298 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,790 (Oct 2007) |
| Tax Bill | $4,371 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-2-27 |
| Primary APN | 421500 49.68-2-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,298 sqft (0.075 acres) |
| Lot Dimensions | 97 ft deep x 34 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 208 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 79 JAMES ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | 2 WOOD AND GARAGE |
| Legal Block | 2 |
| Legal Lot Number | 27.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3003 |
| 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 | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION |
| Mar 18, 2025 | Intrafamily Transfer, Transfer LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Oct 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2007 · Amount on Record |
| Deed Sale | Oct 31, 2007 · Amount on Record |
| Deed Book / Page | 1770 / 503 |
| Last Transfer Date | Feb 21, 2025 |
| Transfer Doc | 0000006335 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 27, 2026 |
| Property Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000009663 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20269663 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009663, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 20269663 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 18, 2025 |
| Property Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000006335 |
| Instrument Date | Mar 18, 2025 |
| Instrument | 202506335 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Name | Verified Name |
|---|---|
| Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 79 JAMES ST, SCHENECTADY, NY 12304-1305 |
| Document Number | 0000033129 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 5032/818 |
| Instrument | 202033129 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 257 Months |
| Due | Mar 1, 2042 |
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 | $4,371.00 (+3.87%) Homeowner's exemption | ||
| 2025 | $4,208.00 (+9.36%) | $92,200 (-) Land $13,800 Building $78,400 | $152,674 (+30.82%) Land $22,851 Building $129,823 |
| 2023 | $92,200 (-) Land $13,800 Building $78,400 | $116,709 (+3.8%) Land $17,468 Building $99,241 | |
| 2022 | $92,200 Land $13,800 Building $78,400 | $112,439 Land $16,829 Building $95,610 | |
| 2021 | $3,848.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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