982 Albany St, Schenectady, NY 12307 Property Records

Schenectady County and Schenectady City property record for 982 Albany St, Schenectady, NY 12307

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,978 sqft · built 1900
Lot Size	0.1 acres (4,374 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Nov 2007)
Tax Bill	$4,228 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit Feb 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`421500 49.42-1-21`

Property Details

APN / Parcel Number

Primary APN	`421500 49.42-1-21`
Alternative APN	`150004904200010210000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,978 sqft Living Area
1st Floor Area	989 sqft
2nd Floor Area	989 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,374 sqft (0.1 acres)
Lot Dimensions	150 ft deep x 29.2 ft wide
Porch	Slab
Porch Area	420 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	982 ALBANY ST
City	SCHENECTADY
State	NY
Zip	12307-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	35 PR HS MAP 2 WOOD
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	2
Census Block	2005
Census Tract	20900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	982 ALBANY ST, SCHENECTADY, NY 12307-1513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2018	Grant Deed, Mortgage · Line of Credit CHEMUNG CANAL TR
Feb 2, 2017	Grant Deed, Mortgage · Line of Credit CHEMUNG CANAL TR
Jan 4, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2007 · Amount on Record
Deed Sale	Nov 30, 2007 · Amount on Record
Deed Book / Page	1772 / 157
Record Updated	Oct 29, 2026

February 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 23, 2018
Property Address	982 ALBANY ST, SCHENECTADY, NY 12307-1513
Book / Page	004820 / 000753
Instrument Date	Feb 20, 2018
Instrument	8235
Transaction Type	Mortgage
Record Updated	Mar 2, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	695 ROTTERDAM INDUSTRIAL PARK SCHENECTADY NY 123061984, SCHENECTADY, NY 12306-1984

Mortgage

Document Number	0000008235
Date	Feb 23, 2018
Book Page	004820/000753
Instrument	8235

Lender

Name	CHEMUNG CANAL TR
Address	1 CHEMUNG CANAL PLZ, ELMIRA, NY 14901-3408

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Feb 2, 2017
Property Address	982 ALBANY ST, SCHENECTADY, NY 12307-1513
Book / Page	004740 / 000288
Instrument Date	Jan 23, 2017
Instrument	5316
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	433 STATE ST #401 SCHENECTADY NY 123052322, 401, SCHENECTADY, NY 12305-2322

Mortgage

Document Number	0000005316
Date	Feb 2, 2017
Book Page	004740/000288
Instrument	5316

Lender

Name	CHEMUNG CANAL TR
Address	1 CHEMUNG CANAL PLZ, ELMIRA, NY 14901-3408

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jan 4, 2017
Property Address	982 ALBANY ST, SCHENECTADY, NY 12307-1513
Document Number	0000000475
Book / Page	001953 / 000753
Instrument Date	Dec 29, 2016
Instrument	475
Transaction Type	Transfer
Record Updated	Feb 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	695 ROTTERDAM INDUSTRIAL PARK SCHENECTADY NY 123061984, SCHENECTADY, NY 12306-1984

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	$4,228.00 (+3.96%) Homeowner's exemption
2025	$4,067.00 (+10.76%)	$83,000 (-) Land $13,600 Building $69,400	$137,440 (+30.82%) Land $22,520 Building $114,920
2023		$83,000 (-) Land $13,600 Building $69,400	$105,063 (+3.8%) Land $17,215 Building $87,848
2022		$83,000 Land $13,600 Building $69,400	$101,220 Land $16,585 Building $84,635
2021	$3,672.00

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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