Schenectady County and Schenectady City property record for 87 Division St, Schenectady, NY 12304
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,090 sqft · built 1900 |
| Lot Size | 0.087 acres (3,808 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $52,000 (Oct 2014) |
| Tax Bill | $5,589 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 49.51-3-25 |
| Primary APN | 421500 49.51-3-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 2,090 sqft Total Area |
| 1st Floor Area | 1,045 sqft |
| 2nd Floor Area | 1,045 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,808 sqft (0.087 acres) |
| Lot Dimensions | 112 ft deep x 34 ft wide |
| Porch | Slab |
| Porch Area | 451 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 87 DIVISION ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-1103 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Description | AGED ARFFIDAVIT REQUIRED 2 WOOD |
| Legal Block | 3 |
| Legal Lot Number | 25.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 20700 |
Source: Schenectady County and Schenectady City records, as of April 14, 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 | 87 DIVISION ST, SCHENECTADY, NY 12304-1103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2014 · Amount on Record |
| Deed Sale | Oct 31, 2014 · Amount on Record |
| Prior Sale | Nov 16, 2007 · Amount on Record |
| Deed Document Number | 201451379 |
| Deed Book / Page | 1903 / 994 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 87 DIVISION ST, SCHENECTADY, NY 12304-1103 |
| Document Number | 0000001516 |
| Book / Page | 004812 / 000964 |
| Instrument Date | Dec 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 87 DIVISION ST SCHENECTADY NY 123041103, SCHENECTADY, NY 12304-1103 |
| Document Number | 0000001516 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 004812/000964 |
| Instrument | 1516 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $5,589.00 (+7.69%) | $93,400 (-) Land $14,000 Building $79,400 | $154,661 (+30.82%) Land $23,183 Building $131,478 |
| 2023 | $93,400 (-) Land $14,000 Building $79,400 | $118,228 (+3.8%) Land $17,722 Building $100,506 | |
| 2022 | $93,400 Land $14,000 Building $79,400 | $113,902 Land $17,073 Building $96,829 | |
| 2021 | $5,190.00 |
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 99.1% of the US · lower than 99.2% 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 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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