846 Union St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 846 Union St, Schenectady, NY 12308

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,972 sqft · built 1900
Lot Size	0.151 acres (6,596 sqft)
Owner	Company Name on Record
Last Sale	$52,000 (Mar 1998)
Tax Bill	$5,720 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 39.74-2-16`

Property Details

APN / Parcel Number

Primary APN	`421500 39.74-2-16`
Alternative APN	`150003907400020160000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	1,972 sqft Total Area
1st Floor Area	1,114 sqft
2nd Floor Area	858 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,596 sqft (0.151 acres)
Lot Dimensions	194 ft deep x 34 ft wide
Porch	Slab
Porch Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	846 UNION ST
City	SCHENECTADY
State	NY
Zip	12308-3132
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	15 PART OF EACH 2 WOOD
Legal Block	2
Legal Lot Number	16.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1000
Census Tract	20800

Historic Designation

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

Historic District	Within 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 July 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1843 CENTRAL AVE, 276, ALBANY, NY 12205-4796
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 1998 · Amount on Record
Deed Sale	Mar 18, 1998 · Amount on Record
Deed Book / Page	1533 / 353
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 14, 2022
Property Address	846 UNION ST, SCHENECTADY, NY 12308-3132
Document Number	0000007935
Book / Page	2078 / 730
Instrument Date	Nov 22, 2021
Instrument	202207935
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	PRIORITY I ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 NORMANSKILL PL, SLINGERLANDS, NY 12159-9556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1843 CENTRAL AVE # 276, 276, ALBANY, NY 12205-4796

Mortgage

Document Number	0000007936
Date	Feb 14, 2022
Instrument	202207936

Lender

Name	FINANCE OF AMERICA COMMERCIAL
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2025	$5,720.00 (+8.09%)	$92,100 (-) Land $13,800 Building $78,300	$152,509 (+30.82%) Land $22,852 Building $129,657
2023		$92,100 (-) Land $13,800 Building $78,300	$116,582 (+3.8%) Land $17,468 Building $99,114
2022		$92,100 Land $13,800 Building $78,300	$112,317 Land $16,829 Building $95,488
2021	$5,292.00

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 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

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.

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 461 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