91 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 91 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,136 sqft · built 1900
Lot Size	0.077 acres (3,360 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Oct 2023)
Tax Bill	$8,935 (2025)
Deeds & Mortgages	Oct 2023 Sale & Second Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.51-3-24`

Property Details

APN / Parcel Number

Primary APN	`421500 49.51-3-24`
Alternative APN	`150004905100030240000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,136 sqft Total Area
1st Floor Area	1,068 sqft
2nd Floor Area	1,068 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	3,360 sqft (0.077 acres)
Lot Dimensions	112 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	366 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	91 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	PART OF 2 WOOD
Legal Block	3
Legal Lot Number	24.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4003
Census Tract	20700

Owner

Source: Schenectady County and Schenectady City records, as of August 4, 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	193 NUNDA AVE, JERSEY CITY, NJ 07306-6607
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage CITY OF SCHENECTADY
Nov 20, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on Record
Deed Sale	Oct 18, 2023 · Amount on Record
Deed Document Number	202358713
Deed Book / Page	2117 / 768
Prior Transfer Date	Sep 20, 2023
Prior Transfer Doc	0000058713
Record Updated	Sep 20, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 18, 2023
Property Address	91 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000058713
Book / Page	2117 / 768
Instrument Date	Sep 20, 2023
Instrument	202358713
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	LEGACY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 JAY ST, SCHENECTADY, NY 12305-1905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	193 NUNDA AVE, JERSEY CITY, NJ 07306-6607

Mortgage

Document Number	0000058714
Date	Oct 18, 2023
Book Page	5336/511
Instrument	202358714

Lender

Name	CITY OF SCHENECTADY
Type	Non-Lending Institution
Address	SCHENECTADY, NY 12305

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Nov 20, 2019
Property Address	91 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000052538
Book / Page	002025 / 000043
Instrument Date	Nov 18, 2019
Instrument	52538
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	$8,935.00 (+887.29%)	$87,100 (-) Land $13,100 Building $74,000	$144,229 (+13.35%) Land $21,692 Building $122,537
2024		$87,100 (-) Land $13,100 Building $74,000	$127,246 (+15.41%) Land $19,138 Building $108,108
2023		$87,100 (-) Land $13,100 Building $74,000	$110,253 (+3.8%) Land $16,582 Building $93,671
2022		$87,100 Land $13,100 Building $74,000	$106,220 Land $15,976 Building $90,244
2021	$905.00

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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