950 Albany St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 950 Albany St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,628 sqft · built 1900
Lot Size	0.082 acres (3,588 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Jun 2020)
Tax Bill	$5,308 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.42-1-6`

Property Details

APN / Parcel Number

Primary APN	`421500 49.42-1-6`
Alternative APN	`150004904200010060000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,628 sqft Total Area
1st Floor Area	1,314 sqft
2nd Floor Area	1,314 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,588 sqft (0.082 acres)
Lot Dimensions	104 ft deep x 34.5 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	950 ALBANY ST
City	SCHENECTADY
State	NY
Zip	12307-1513
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Subdivision	POOR HOUSE FARM
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2005
Census Tract	20900

Owner

950 Albany St, a duplex, is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	950 ALBANY ST, SCHENECTADY, NY 12307-1513
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jun 22, 2020	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2020 · Amount on File
Deed Sale	Jun 22, 2020 · Amount on File
Prior Sale	Apr 3, 1995 · Amount on File
Deed Document Number	202017769
Deed Book / Page	2036 / 817
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 20, 2026
Property Address	950 ALBANY ST, SCHENECTADY, NY 12307-1513
Document Number	0000008934
Instrument Date	Apr 10, 2026
Instrument	20268934
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 ALBANY ST, SCHENECTADY, NY 12307-1513

Mortgage

Document Number	0000008934,
Date	Apr 20, 2026
Instrument	20268934

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 22, 2020
Property Address	950 ALBANY ST, SCHENECTADY, NY 12307-1513
Document Number	0000017769
Book / Page	002036 / 000817
Instrument Date	Jun 2, 2020
Instrument	17769
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10419 122ND ST SOUTH RICHMOND HILL NY 114192805, SOUTH RICHMOND HILL, NY 11419-2805

Tax Assessment & Valuation

The 2026 property tax bill for 950 Albany St was $5,308, up 3.7% from the year before.

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	$5,308.00 (+3.71%)
2025	$5,118.00	$81,900 Land $12,300 Building $69,600	$135,618 Land $20,368 Building $115,250
2023		$81,900 (-) Land $12,300 Building $69,600	$103,671 (+3.8%) Land $15,570 Building $88,101
2022		$81,900 Land $12,300 Building $69,600	$99,878 Land $15,000 Building $84,878
2021	$4,724.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 950 Albany St in Zone X, an area of minimal flood risk.

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

The area around 950 Albany St has no burnable land within ember reach, so its wildfire risk is not rated.

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 749 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: Massivemesh Networks.

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