813 Locust Ave, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 813 Locust Ave, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,448 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (Apr 2023)
Tax Bill	$5,378 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.26-2-7`

Property Details

APN / Parcel Number

Primary APN	`421500 49.26-2-7`
Alternative APN	`150004902600020070000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,448 sqft Total Area
1st Floor Area	1,224 sqft
2nd Floor Area	1,224 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	112 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	1,076 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	348 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	813 LOCUST AVE
City	SCHENECTADY
State	NY
Zip	12307-1011
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4000
Census Tract	20800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Vale Cemetery and Vale Park listed 2004 · 6 contributing resources · NRIS 04001053

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

813 Locust Ave, a duplex, is owned and occupied by an individual who bought it in April 2023.

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Aug 17, 2023	Warranty Deed, Transfer
Dec 8, 2021	Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2023 · Amount on File
Deed Sale	Apr 19, 2023 · Amount on File
Prior Sale	Aug 31, 2015 · Amount on File
Deed Document Number	202322338
Deed Book / Page	2106 / 481
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025392
Date	Apr 29, 2024
Book Page	5370/311
Instrument	202425392

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 17, 2023
Property Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011
Document Number	0000046753
Book / Page	2113 / 860
Instrument Date	Jul 12, 2023
Instrument	202346753
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1123 VAN CURLER AVE, SCHENECTADY, NY 12308-2604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 8, 2021
Property Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011
Document Number	0000061761
Book / Page	2073 / 197
Instrument Date	Nov 24, 2021
Instrument	202161761
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$516.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1123 VAN CURLER AVE, SCHENECTADY, NY 12308-2604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 LOCUST AVE, SCHENECTADY, NY 12307-1011

Mortgage

Document Number	0000061764
Date	Dec 8, 2021
Instrument	202161764

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Mortgage

Document Number	0000061772
Date	Dec 8, 2021
Book Page	5176/112
Instrument	202161772

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 813 Locust Ave was $5,378, up 3.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,378.00 (+3.68%)
2025	$5,187.00	$83,600 Land $12,500 Building $71,100	$138,434 Land $20,699 Building $117,735
2023		$83,600 (-) Land $12,500 Building $71,100	$105,823 (+3.8%) Land $15,823 Building $90,000
2022		$83,600 Land $12,500 Building $71,100	$101,951 Land $15,244 Building $86,707
2021	$4,793.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 813 Locust Ave 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.

Wildfire

Wildfire risk around 813 Locust Ave is low, with 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 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	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Massivemesh Networks.

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