86 Linden St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 86 Linden St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,370 sqft · built 1910
Lot Size	0.107 acres (4,700 sqft)
Owner	Individual Name on Record
Tax Bill	$5,343 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.60-1-18`

Property Details

APN / Parcel Number

Primary APN	`421500 49.60-1-18`
Alternative APN	`150004906000010180000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,370 sqft Living Area
1st Floor Area	757 sqft
2nd Floor Area	613 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,700 sqft (0.107 acres)
Lot Dimensions	100 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	272 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	86 LINDEN ST
City	SCHENECTADY
State	NY
Zip	12304-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	AGED AFFIDAVIT REQUIRED 2 WOOD AND GARAGE
Legal Block	1
Legal Lot Number	18.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2005
Census Tract	20700

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 Record	Individual Name on Record
Mailing Address	86 LINDEN ST, SCHENECTADY, NY 12304-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Jun 19, 2018	Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	86 LINDEN ST, SCHENECTADY, NY 12304-1225
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 LINDEN ST, SCHENECTADY, NY 12304-1225

Mortgage

Document Number	0000026212
Date	Jun 4, 2021
Book Page	5107/35
Instrument	202126212

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	May 5, 2036

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 19, 2018
Property Address	86 LINDEN ST, SCHENECTADY, NY 12304-1225
Document Number	0000027027
Book / Page	001989 / 000581
Instrument Date	Jun 15, 2018
Instrument	27027
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 HOLLAND RD SCHENECTADY NY 123031118, SCHENECTADY, NY 12303-1118

Mortgage

Document Number	27029
Date	Jun 19, 2018
Book Page	004844/000883
Instrument	27029

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

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
2026	$5,343.00 (+2.16%)
2025	$5,230.00 (+5.46%)	$98,700 (-) Land $14,800 Building $83,900	$163,438 (+30.82%) Land $24,507 Building $138,931
2023		$98,700 (-) Land $14,800 Building $83,900	$124,937 (+3.8%) Land $18,734 Building $106,203
2022		$98,700 Land $14,800 Building $83,900	$120,366 Land $18,049 Building $102,317
2021	$4,959.00

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 924 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

May also be available: T-Mobile.

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