965 Emmett St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 965 Emmett St, Schenectady, NY 12307

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,184 sqft · built 1900
Lot Size	0.113 acres (4,950 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Sep 2020)
Tax Bill	$5,230 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 49.50-2-22`

Property Details

APN / Parcel Number

Primary APN	`421500 49.50-2-22`
Alternative APN	`150004905000020220000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,184 sqft Total Area
1st Floor Area	1,044 sqft
2nd Floor Area	1,140 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,950 sqft (0.113 acres)
Lot Dimensions	150 ft deep x 33 ft wide
Porch	Slab
Porch Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	965 EMMETT ST
City	SCHENECTADY
State	NY
Zip	12307-1617
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Description	52 PART OF EACH 2 WOOD
Legal Block	2
Legal Lot Number	22.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2007
Census Tract	20900

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	Individual Name on Record
Mailing Address	965 EMMETT ST, SCHENECTADY, NY 12307-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on Record
Deed Sale	Sep 24, 2020 · Amount on Record
Prior Sale	Sep 16, 2002 · Amount on Record
Deed Document Number	202029082
Deed Book / Page	2042 / 283
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 24, 2020
Property Address	965 EMMETT ST, SCHENECTADY, NY 12307-1617
Document Number	0000029082
Book / Page	2042 / 283
Instrument Date	Jun 26, 2020
Instrument	202029082
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$384.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17184 TANGERINE BLVD, 17184, LOXAHATCHEE, FL 33470-3326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 EAGLE ST, SCHENECTADY, NY 12307-1193

Mortgage

Document Number	0000029084
Date	Sep 24, 2020
Instrument	202029084

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

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	$5,230.00 (+3.77%)
2025	$5,040.00 (+8.46%)	$80,000 (-) Land $12,000 Building $68,000	$132,472 (+30.82%) Land $19,871 Building $112,601
2023		$80,000 (-) Land $12,000 Building $68,000	$101,266 (+3.8%) Land $15,190 Building $86,076
2022		$80,000 Land $12,000 Building $68,000	$97,561 Land $14,634 Building $82,927
2021	$4,647.00

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	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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