Schenectady County and Glenville Town property record for 813 Charles St, Schenectady, NY 12302
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,882 sqft · built 1935 |
| Lot Size | 0.516 acres (22,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $289,900 (Jul 2022) |
| Tax Bill | $6,520 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Nov 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422289 38.7-6-2 |
| Primary APN | 422289 38.7-6-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,882 sqft Living Area |
| 1st Floor Area | 941 sqft |
| 2nd Floor Area | 941 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 22,500 sqft (0.516 acres) |
| Lot Dimensions | 150 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 224 sqft |
| Patio Area | 261 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | B17017 |
|---|---|
| Street Address | 813 CHARLES ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12302-1121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES |
| Legal Description | JERMAIN L524-526 HLG |
| Legal Block | 6 |
| Legal Lot Number | 2.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | GLENVILLE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 32403 |
813 Charles St is owned and occupied by two individuals who bought it in July 2022.
Source: Schenectady County and Glenville Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 813 CHARLES ST, SCHENECTADY, NY 12302-1121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 5, 2026 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Nov 6, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| Jul 7, 2022 | Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Dec 6, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2022 · Amount on File |
| Deed Sale | Jul 7, 2022 · Amount on File |
| Prior Sale | Jan 24, 2013 · Amount on File |
| Deed Document Number | 202235375 |
| Deed Book / Page | 2087 / 901 |
| Prior Transfer Date | Oct 19, 2017 |
| Prior Transfer Doc | 0000055192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 813 CHARLES ST, SCHENECTADY, NY 12302-1121 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 813 CHARLES ST, GLENVILLE, NY 12302-1121 |
| Document Number | 0000004477 |
|---|---|
| Date | Mar 5, 2026 |
| Instrument | 202604477 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | SCHENECTADY, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 4, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 813 CHARLES ST, SCHENECTADY, NY 12302-1121 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 813 CHARLES ST, GLENVILLE, NY 12302-1121 |
| Document Number | 0000062922 |
|---|---|
| Date | Nov 6, 2023 |
| Book Page | 5341/455 |
| Instrument | 202362922 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 18, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 7, 2022 |
| Property Address | 813 CHARLES ST, SCHENECTADY, NY 12302-1121 |
| Document Number | 0000035375 |
| Book / Page | 2087 / 901 |
| Map Reference | MAP A-250 |
| Instrument Date | Jun 21, 2022 |
| Instrument | 202235375 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 CHARLES ST, 813, SCHENECTADY, NY 12302-1121 |
| Name | Verified Name |
|---|---|
| Address | 411 GLEN AVE, SCOTIA, NY 12302-1409 |
| Document Number | 0000035376 |
|---|---|
| Date | Jul 7, 2022 |
| Instrument | 202235376 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 348 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 6, 2017 |
| Property Address | 813 CHARLES ST, SCHENECTADY, NY 12302-1121 |
| Document Number | 0000055192 |
| Book / Page | 001976 / 000782 |
| Instrument Date | Oct 19, 2017 |
| Instrument | 55192 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 813 CHARLES ST GLENVILLE NY 123021121, GLENVILLE, NY 12302-1121 |
The 2026 property tax bill for 813 Charles St was $6,520, up 0.3% from the year before.
Source: Schenectady County and Glenville Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Glenville Town |
| Unified School District | Scotia-Glenville Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,520.00 (+0.34%) | ||
| 2025 | $6,498.00 | $161,600 Land $49,700 Building $111,900 | $293,818 Land $90,364 Building $203,454 |
| 2023 | $161,600 Land $49,700 Building $111,900 | $237,647 Land $73,088 Building $164,559 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 813 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 8 in force |
| Nearby Flood Claims | 6 (1996–2011) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 risk around 813 Charles 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 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 | GLENVILLE WD #11 serves 15,000 people · EPA ID NY4600091 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2022 |
| Lead | 4 ppb (2026–2028) 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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