89 Elm St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 89 Elm St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,176 sqft · built 1910
Lot Size	0.108 acres (4,719 sqft)
Owner	2 Individual Names on File
Last Sale	$70,500 (May 2017)
Tax Bill	$5,189 (2026)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-27`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-27`
Alternative APN	`150004905900030270000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,176 sqft Total Area
1st Floor Area	1,088 sqft
2nd Floor Area	1,088 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,719 sqft (0.108 acres)
Lot Dimensions	143 ft deep x 33 ft wide
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	438 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	89 ELM ST
City	SCHENECTADY
State	NY
Zip	12304-1201
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	27.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	89 ELM ST, SCHENECTADY, NY 12304-1201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2017 · Amount on File
Deed Sale	May 11, 2017 · Amount on File
Prior Sale	Apr 2, 1999 · Amount on File
Deed Document Number	201720937
Deed Book / Page	1962 / 296
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 11, 2017
Property Address	89 ELM ST, SCHENECTADY, NY 12304-1201
Document Number	0000020937
Book / Page	1962 / 296
Instrument Date	May 5, 2017
Instrument	201720937
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 HAIGH AVE, 122, SCHENECTADY, NY 12304-1320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1253 WEBSTER ST, SCHENECTADY, NY 12303-1938

Mortgage

Document Number	, 201720939
Date	May 11, 2017
Instrument	201720939

Lender

Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

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	$5,189.00 (+3.8%)
2025	$4,999.00 (+7.37%)	$79,000 (-) Land $11,900 Building $67,100	$130,816 (+30.82%) Land $19,705 Building $111,111
2023		$79,000 (-) Land $11,900 Building $67,100	$100,000 (+3.8%) Land $15,063 Building $84,937
2022		$79,000 Land $11,900 Building $67,100	$96,341 Land $14,512 Building $81,829
2021	$4,656.00

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	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.

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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