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820 Union St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 820 Union St, Schenectady, NY 12308

Property Summary

Property TypeTriplex
Details5 bd · 4 ba · 2,929 sqft · built 1920
Lot Size0.261 acres (11,400 sqft)
Owner2 Individual Names on Record
Last Sale$165,000 (Nov 2022)
Tax Bill$8,295 (2026)
Deeds & MortgagesJul 2026 Sale
Nov 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN421500 39.74-2-4

Property Details

APN / Parcel Number

Primary APN421500 39.74-2-4
Alternative APN
  • 150003907400020040000000

Interior

Bedrooms5 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Total Rooms10 Rooms
Stories2 Stories
Building Area2,929 sqft Total Area
1st Floor Area1,783 sqft
2nd Floor Area1,146 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Lot Area11,400 sqft (0.261 acres)
Lot Dimensions300 ft deep x 38 ft wide
Garage TypeDetached
Garage Area704 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area250 sqft

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address820 UNION ST
CitySCHENECTADY
StateNY
Zip12308-3104
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning Code3
Legal Description2 WOOD
Legal Block2
Legal Lot Number4.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionSCHENECTADY
Census Block Group1
Census Block1001
Census Tract20800

Historic Designation

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

Historic DistrictWithin the Union Street Historic District
listed 1982 · 184 contributing resources · NRIS 82001268

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

Owner

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 Record2 Individual Names on Record
Mailing Address3214 ALBANY ST, SCHENECTADY, NY 12304-3918
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 7, 2026Warranty Deed, Transfer
NONE LISTED ON DOCUMENT
Nov 4, 2022Deed, Transfer · Conventional Mortgage
HARTFORD FUNDING LTD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 4, 2022 · Amount on Record
Deed SaleNov 4, 2022 · Amount on Record
Prior SaleAug 20, 2012 · Amount on Record
Deed Document Number202258125
Deed Book / Page2096 / 221
Last Transfer DateJun 22, 2026
Transfer Doc0000015276
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateJul 7, 2026
Property Address820 UNION ST, SCHENECTADY, NY 12308-3104
Document Number0000015276
Book / Page2175 / 231
Instrument DateJun 22, 2026
Instrument202615276
Transaction TypeTransfer
Record UpdatedAug 31, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3214 ALBANY ST, SCHENECTADY, NY 12304-3918

November 2022: Deed, Transfer

Document TypeDeed
JurisdictionSCHENECTADY NY
Recording DateNov 4, 2022
Property Address820 UNION ST, SCHENECTADY, NY 12308-3104
Document Number0000058125
Book / Page2096 / 221
Instrument DateOct 24, 2022
Instrument202258125
Transaction TypeTransfer
Record UpdatedNov 17, 2022
Title CompanyOLD HERITAGE REALTY SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$660.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4140 BIRCHWOOD DR S, 4140, LIVERPOOL, NY 13090-2131

Transferred To (Grantee/Buyer)

NameVerified Name
Address3214 ALBANY ST, SCHENECTADY, NY 12304-3918

Mortgage

Document Number0000058126
DateNov 4, 2022
Book Page5268/619
Instrument202258126
Lender
NameHARTFORD FUNDING LTD
TypeMortgage Company
AddressWOODBURY, NY 11797
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
MunicipalitySchenectady City
Unified School DistrictSchenectady City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,295.00 (+3.6%)
2025$8,007.00 (+8.07%)$130,350 (-) Land $31,400 Building $98,950$215,847 (+30.82%) Land $51,995 Building $163,852
2023$130,350 (-) Land $31,400 Building $98,950$165,000 (+3.8%) Land $39,747 Building $125,253
2022$130,350 Land $31,400 Building $98,950$158,963 Land $38,293 Building $120,670
2021$7,409.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

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 SystemSCHENECTADY CITY WATER WORKS
serves 62,000 people · EPA ID NY4600070
Water SourceGroundwater
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 461 locations within half a mile, as of December 31, 2025

ProviderMax 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

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