961 State St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 961 State St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,988 sqft · built 1910
Lot Size	0.12 acres (5,250 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Dec 2018)
Tax Bill	$6,021 (2026)
Deeds & Mortgages	Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`421500 49.42-4-31`

Property Details

APN / Parcel Number

Primary APN	`421500 49.42-4-31`
Alternative APN	`150004904200040310000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,988 sqft Total Area
1st Floor Area	1,494 sqft
2nd Floor Area	1,494 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,250 sqft (0.12 acres)
Lot Dimensions	150 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	485 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	961 STATE ST
City	SCHENECTADY
State	NY
Zip	12307-1521
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	05 - COMME
Legal Description	2 WOOD AND GARAGE
Legal Block	4
Legal Lot Number	31.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	3
Census Block	3001
Census Tract	20800

Owner

961 State St, a duplex, is owned by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	918 PENNSYLVANIA AVE, SCHENECTADY, NY 12303-1434
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018 · Amount on File
Deed Sale	Dec 6, 2018 · Amount on File
Prior Sale	Jun 23, 1998 · Amount on File
Deed Document Number	201853422
Deed Book / Page	2001 / 278
Record Updated	Oct 29, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Dec 6, 2018
Property Address	961 STATE ST, SCHENECTADY, NY 12307-1521
Document Number	0000053422
Book / Page	002001 / 000278
Instrument Date	Nov 28, 2018
Instrument	53422
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	918 PENNSYLVANIA AVE SCHENECTADY NY 123031434, SCHENECTADY, NY 12303-1434

Tax Assessment & Valuation

The 2026 property tax bill for 961 State St was $6,021, up 3.3% 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	$6,021.00 (+3.31%)
2025	$5,828.00	$87,800 Land $13,200 Building $74,600	$145,388 Land $21,858 Building $123,530
2023		$87,800 (-) Land $13,200 Building $74,600	$111,139 (+3.8%) Land $16,709 Building $94,430
2022		$87,800 Land $13,200 Building $74,600	$107,073 Land $16,098 Building $90,975
2021	$5,405.00

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

Flood

FEMA maps place 961 State 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 961 State 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 615 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