434 Division Street Schenectady, NY ^$ 369,999

434 Division Street

^$ 369,999

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Recently Listed

434 Division Street

Schenectady, NY, 12304

^$ 369,999

Bedrooms5 Baths2.0 Sq 2,400

Monthly Estimate*

^$ 2,336

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Multi-Family Home for sale in Schenectady, NY

for $369,999 with 5 bedrooms and 2 full baths. This 2,400 square foot home was built in 1920 on a lot size of 0.07.

Completely Renovated Two-Family -- Turnkey & Move-In Ready! Thoughtfully transformed throughout, this beautifully reimagined 5-bedroom, 2-bath two-family blends modern style with turnkey convenience. Featuring sophisticated kitchens with stone countertops and new appliances, beautifully renovated baths, new flooring, and updated electrical, plumbing, and heating. An exceptional opportunity for owner-occupants or investors seeking a stylish, move-in-ready property with excellent income potential. Listing Agent is related to the Seller.

Multi-Family Active

Price

^$ 369,999

Bedrooms

Full Bath

Property Type

Multi-Family

Taxes

^$ 4,602

Style

Lot Size

0.07

Year Built

1920

Town/City

Schenectady

County/Region

Schenectady

MLS | Web ID

202625062

Features

General

Sewer Public Sewer

Heating Forced Air

Possession At Closing

Roof Slate

Garage Spaces 0.0

Architectural Style Other

Construction Materials Drywall Vinyl Siding

Year Built 1920

Electric 100 Amp Service Circuit Breakers

Property Subtype Duplex

County Schenectady

New Construction N

Property Type MultiFamily

HOA N

Attached Garage N

Full Baths 2

Status Active

Directions From Albany: Take I-90 W toward Schenectady. Continue toward the State St/NY-5 turn right onto Division St; 434 Division St will be on the right.

High School Schenectady

City Schenectady

High School District Schenectady

Number Of Units Total 2

Lot Size Units Acres

Lot Size Square Feet 3049.2

Carport Y/N N

Land Lease Y/N N

Tax Annual Amount 4602.53

Home Warranty Y/N N

Lease Renewal Y/N N

Additional Parcels Y/N N

Concessions No

Lease Considered Y/N N

Rent Control Y/N N

Standard Status Active

Tax Assessed Value 0

Tax Lot 80.000

Interior

Basement Unfinished

Basement (Y/N) N

Heating Y/N Y

Above Grade Finished Area 2400.0

Half Baths 0

Total Bedrooms 5

Below Grade Finished Area 0.0

Below Grade Finished Area Source CRS

Above Grade Finished Area Source CRS

Total Baths 2

Exterior

Exterior Amenities None

Parking Features None

Water Source Public

Lot Size Area 0.07

Spa N

Lot Size Acres 0.07

Waterfront Y/N N

Crops Included Y/N N

Horse Y/N N

Irrigation Water Rights Y/N N

Internal Only

Street Number 1 434

* Excluded Features

List By

Jaiwanti Loaknauth

Listing Agent

Nai Platform Llc

Broker

(518) 506-0910

Phone

reena@naiplatform.com

Affordability Calculator

$2,720

Per Month

Monthly Principal & Interest: $2,336
Monthly Property Taxes: $384
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Multi-family listings in Schenectady, NY

Average List Price ^$314,578

Percent of Sale Price 15%

About Schenectady, NY

66,009 Population

7% Since 2002

^$41,120 Median Income

35.65 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

853437 Elementary School

853433 Middle School

Schenectady High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
8/29/2026	$369,999		Listed Price

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434 Division Street, Schenectady, NY, 12304 is a Multi-Family Home for sale at $369,999 with 2,400 sqft and a lot size of 0.07. 434 Division Street has 5 bedrooms, 2.0 baths, and was built in 1920. The property's zip code is 12304 which is in Schenectady, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate for sale on this web site comes in part from The Internet Data Exchange Program of ©2019 Global Multiple Listing Service, Inc. The data relating to real estate on this website comes in part from the Internet Data Exchange program of the GMLS. All information is deemed reliable but not guaranteed and should be independently verified. All properties subject to prior sale, change, or withdrawal. Neither listing broker(s), GMLS shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing.

Data is updated as of 8/29/2026.

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434 Division Street

Multi-Family Home for sale in Schenectady, NY

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