Schenectady County and Schenectady City property record for 825 Main Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,628 sqft · built 1922 |
| Lot Size | 0.12 acres (5,232 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $68,000 (Apr 2008) |
| Tax Bill | $2,737 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.48-3-35 |
| Primary APN | 421500 49.48-3-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,628 sqft Living Area |
| 1st Floor Area | 836 sqft |
| 2nd Floor Area | 792 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Architectural Style | Traditional |
| Exterior Material | Stucco |
| Lot Area | 5,232 sqft (0.12 acres) |
| Lot Dimensions | 96 ft deep x 109 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 368 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 825 MAIN AVE |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-1129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Description | P/O 2 STUCCO & GAR |
| Legal Block | 3 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 21400 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK INC |
| Jul 6, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Nov 14, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2008 · Amount on Record |
| Deed Sale | Apr 11, 2008 · Amount on Record |
| Prior Sale | Mar 26, 2008 · Amount on Record |
| Deed Book / Page | 1780 / 80 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 1, 2026 |
| Property Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Document Number | 0000012423 |
| Instrument Date | May 22, 2026 |
| Instrument | 202612423 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Document Number | 0000012423, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 202612423 |
| Name | CITIZENS BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 27, 2051 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 200 STEEPLE WAY, SCHENECTADY, NY 12306-2551 |
| Document Number | 0000035195 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 5238/884 |
| Instrument | 202235195 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 24, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 825 MAIN AVE, SCHENECTADY, NY 12303-1129 |
| Document Number | 0000064214 |
|---|---|
| Date | Nov 14, 2023 |
| Book Page | 5342/406 |
| Instrument | 202364214 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Oct 22, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,737.00 (-22.73%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,542.00 (+83.24%) | $89,800 (-) Land $13,500 Building $76,300 | $148,700 (+30.82%) Land $22,355 Building $126,345 |
| 2023 | $89,800 (-) Land $13,500 Building $76,300 | $113,671 (+3.8%) Land $17,089 Building $96,582 | |
| 2022 | $89,800 Land $13,500 Building $76,300 | $109,512 Land $16,463 Building $93,049 | |
| 2021 | $1,933.00 |
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 | Not rated no burnable land within 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 1,007 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 |
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