96 Division St, Schenectady, NY 12304 Property Records

Schenectady County and Schenectady City property record for 96 Division St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1900
Lot Size	0.081 acres (3,564 sqft)
Owner	2 Company Names on File
Last Sale	$70,296 (Nov 1994)
Tax Bill	$4,037 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.59-3-22`

Property Details

APN / Parcel Number

Primary APN	`421500 49.59-3-22`
Alternative APN	`150004905900030220000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
1st Floor Area	792 sqft
2nd Floor Area	696 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	3,564 sqft (0.081 acres)
Lot Dimensions	108 ft deep x 33 ft wide
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	96 DIVISION ST
City	SCHENECTADY
State	NY
Zip	12304-1104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	2 WOOD
Legal Block	3
Legal Lot Number	22.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	4
Census Block	4004
Census Tract	20700

Owner

96 Division St is owned by a company that acquired it in June 2003.

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

Owner of Record	2 Company Names on File
Mailing Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104
Owner Type	Company
Vesting	Life Estate

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
Jan 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage SUNMARK FCU
Apr 1, 2022	Intrafamily Transfer, Transfer
Jun 11, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 1994 · Amount on File
Deed Sale	Nov 1, 1994 · Amount on File
Deed Book / Page	1438 / 229
Last Transfer Date	Jun 3, 2003
Transfer Doc	1652000548
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104

Mortgage

Document Number	0000002021
Date	Jan 12, 2023
Book Page	5283/1
Instrument	202302021

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	71 Months
Due	Dec 26, 2028

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Apr 1, 2022
Property Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104
Document Number	0000016787
Book / Page	2081 / 812
Instrument Date	Mar 22, 2022
Instrument	202216787
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 11, 2021
Property Address	96 DIVISION ST, SCHENECTADY, NY 12304-1104
Document Number	0000027673
Book / Page	2060 / 633
Instrument Date	Aug 23, 2012
Instrument	202127673
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 LEXINGTON ST, BALLSTON SPA, NY 12020-2325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 ELM ST, SCHENECTADY, NY 12304-1203

Tax Assessment & Valuation

The 2026 property tax bill for 96 Division St was $4,037, up 2.7% 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	$4,037.00 (+2.7%)
2025	$3,931.00	$73,900 Land $11,100 Building $62,800	$122,371 Land $18,380 Building $103,991
2023		$73,900 (-) Land $11,100 Building $62,800	$93,544 (+3.8%) Land $14,051 Building $79,493
2022		$73,900 Land $11,100 Building $62,800	$90,122 Land $13,537 Building $76,585
2021	$3,717.00

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

Flood

FEMA maps place 96 Division 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

Wildfire risk around 96 Division St is low, with less than a 0.01% annual chance of 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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