95 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 95 Division St, Schenectady, NY 12304

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,484 sqft · built 1900
Lot Size	0.084 acres (3,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2022)
Tax Bill	$6,686 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.51-3-23`

Property Details

APN / Parcel Number

Primary APN	`421500 49.51-3-23`
Alternative APN	`150004905100030230000000`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,484 sqft Total Area
1st Floor Area	1,143 sqft
2nd Floor Area	1,341 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,700 sqft (0.084 acres)
Lot Dimensions	111 ft deep x 33.3 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	406 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	95 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	2 WOOD AND GARAGE
Legal Block	3
Legal Lot Number	23.000
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 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 Record
Mailing Address	95 DIVISION ST, SCHENECTADY, NY 12304-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 26, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 19, 2017	Grant Deed, Transfer · FHA Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2022 · Amount on Record
Deed Sale	May 9, 2022 · Amount on Record
Prior Sale	Oct 19, 2017 · Amount on Record
Deed Document Number	202224582
Deed Book / Page	2084 / 353
Prior Transfer Date	Aug 18, 2003
Prior Transfer Doc	1658000431
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	May 9, 2022
Property Address	95 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000024582
Book / Page	2084 / 353
Instrument Date	May 4, 2022
Instrument	202224582
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 DIVISION ST, SCHENECTADY, NY 12304-1103

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 63 WEXFORD, JAMAICA, NY 11432

Mortgage

Document Number	0000024583
Date	May 9, 2022
Instrument	202224583

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 26, 2018
Property Address	95 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000056118
Book / Page	002002 / 000528
Instrument Date	Dec 14, 2018
Instrument	56118
Transaction Type	Transfer
Record Updated	Jan 29, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95-97 DIVISION ST SCHENECTADY NY 123041103, SCHENECTADY, NY 12304-1103

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Oct 19, 2017
Property Address	95 DIVISION ST, SCHENECTADY, NY 12304-1103
Document Number	0000047422
Book / Page	001973 / 000625
Instrument Date	Oct 10, 2017
Instrument	47422
Transaction Type	Transfer
Record Updated	Aug 27, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$408.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 MCCLELLAN ST SCHENECTADY NY 123041132, SCHENECTADY, NY 12304-1132

Mortgage

Document Number	47424
Date	Oct 19, 2017
Book Page	004794/000951
Instrument	47424

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 18, 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	$6,686.00 (+3.1%)
2025	$6,485.00 (+29.29%)	$115,300 (-) Land $13,400 Building $101,900	$190,926 (+30.82%) Land $22,189 Building $168,737
2023		$115,300 (+29.41%) Land $13,400 Building $101,900	$145,949 (+34.32%) Land $16,962 Building $128,987
2022		$89,100 Land $13,400 Building $75,700	$108,659 Land $16,342 Building $92,317
2021	$5,016.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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