806 Middle St, Schenectady, NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 806 Middle St, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,314 sqft · built 1940
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$451,000 (Nov 2023)
Tax Bill	$11,246 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 31.11-1-18.111`

Property Details

APN / Parcel Number

Primary APN	`422400 31.11-1-18.111`
Alternative APNs	`240003101100010180110000` `422400 31.11-1-18.11`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area
1st Floor Area	940 sqft
Upper Floors Area	374 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Architectural Style	Bungalow
Exterior Material	Wood
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	180 ft deep x 134 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	864 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	806 MIDDLE ST
City	SCHENECTADY
State	NY
Zip	12309-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	DANIEL DANES
Legal Block	1
Legal Lot Number	18.111
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	1
Census Block	1002
Census Tract	32101

Owner

Source: Schenectady County and Niskayuna Town 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	Individual Name on Record
Mailing Address	806 MIDDLE ST, SCHENECTADY, NY 12309-1016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU
Jul 26, 2017	Warranty Deed, Transfer · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	Jul 26, 2017 · Amount on Record
Deed Document Number	202363264
Deed Book / Page	2119 / 303
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	806 MIDDLE ST, SCHENECTADY, NY 12309-1016
Transaction Type	Mortgage
Record Updated	Mar 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026437
Date	Jun 7, 2021
Book Page	5107/322
Instrument	202126437

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.5%
Index	1-Year CMT
Max Rate	7.5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 26, 2017
Property Address	806 MIDDLE ST, SCHENECTADY, NY 12309-1016
Document Number	0000033292
Book / Page	001967 / 000706
Instrument Date	Jun 30, 2017
Instrument	33292
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,356.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 KEMPTON PL SARATOGA SPRINGS NY 128669495, SARATOGA SPRINGS, NY 12866-9495

Mortgage

Document Number	33293
Date	Jul 26, 2017
Book Page	004775/000541
Instrument	33293

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Tax Assessment & Valuation

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Niskayuna Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,246.00 (+0.78%)
2025	$11,159.00	$249,000 (-) Land $46,200 Building $202,800	$368,900 (+17.04%) Land $68,447 Building $300,453
2023		$249,000 Land $46,200 Building $202,800	$315,200 Land $58,483 Building $256,717

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	6 (1993–2012)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 20 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 / 35

May also be available: Verizon.

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