Schenectady County and Schenectady City property record for 82 Spruce St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,408 sqft · built 1900 |
| Lot Size | 0.081 acres (3,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $127,000 (Apr 2022) |
| Tax Bill | $4,884 (2026) |
| Deeds & Mortgages | Sep 2026 Sale Apr 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.68-6-25 |
| Primary APN | 421500 49.68-6-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 702 sqft |
| 2nd Floor Area | 706 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 3,560 sqft (0.081 acres) |
| Lot Dimensions | 89 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 82 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 | 2 WOOD AND GARAGE |
| Legal Block | 6 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 20600 |
Source: Schenectady County and Schenectady City records, as of October 13, 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 | 82 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2026 | Warranty Deed, Transfer MARATHON TITLE COMPANY, MARATHON TITLE |
| Apr 6, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2022 · Amount on Record |
| Deed Sale | Apr 6, 2022 · Amount on Record |
| Deed Document Number | 202217648 |
| Deed Book / Page | 2082 / 76 |
| Last Transfer Date | Sep 8, 2026 |
| Transfer Doc | 0000020334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 14, 2026 |
| Property Address | 82 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000020334 |
| Book / Page | 2179 / 355 |
| Instrument Date | Sep 8, 2026 |
| Instrument | 202620334 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2026 |
| Title Company | MARATHON TITLE COMPANY, MARATHON TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 82 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 6, 2022 |
| Property Address | 82 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Document Number | 0000017648 |
| Book / Page | 2082 / 76 |
| Instrument Date | Mar 30, 2022 |
| Instrument | 202217648 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $508.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 82 SPRUCE ST, SCHENECTADY, NY 12304-1403 |
| Name | Verified Name |
|---|---|
| Address | 43 VASSAR ST, SCHENECTADY, NY 12304-1442 |
| Investor | Possibly a Property Investor |
| Document Number | 0000017649 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 202217649 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
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 | $4,884.00 (+2.33%) | ||
| 2025 | $4,773.00 (+158.14%) | $93,300 (-) Land $14,000 Building $79,300 | $154,496 (+30.82%) Land $23,183 Building $131,313 |
| 2023 | $93,300 (-) Land $14,000 Building $79,300 | $118,101 (+3.8%) Land $17,721 Building $100,380 | |
| 2022 | $93,300 Land $14,000 Building $79,300 | $113,780 Land $17,073 Building $96,707 | |
| 2021 | $1,849.00 |
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 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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