$230,000
SOLD DEC 12, 2025

305 Elder St Schenectady, NY 12304

3 Beds
1 Bath
1,296 Sq Ft
6,970 Sq Ft Lot

Recently Sold

$177 Per Sq Ft

16% Below List Price

144 Days on Market

Highlights

  • Cape Cod Architecture
  • Finished Attic
  • Stone Countertops
  • Deck
  • Loft
  • No HOA

About This Home

As of December 2025

Adorable Cape Cod full of potential and ready for you to make it your own! Step into the inviting living room featuring a charming bay window. Enjoy easy-to-maintain vinyl flooring throughout mist of the house and three comfortable bedrooms. The upstairs offers a versatile layout with a bedroom, cozy loft area, a walk-in cedar closet, and an additional large storage space. Spacious eat-in kitchen with tile back splash and plenty of work/storage space. Sliders off the garage lead to a newer fully fenced backyard with a covered deck, perfect for entertaining. Full basement that offers more storage. Major updated include: roof '20, driveway '19 & fence '19. Close to Central Park, Hospitals, grocery & more. Come add your personal touch!

Last Agent to Sell the Property

Gia Smith

Romeo Team Realty License #10301223655 Listed on: 06/27/2025

Last Buyer's Agent

Yogesh Lachman

Lachman Real Estate Group License #10311210276

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,366

Year Built

  • Built in 1954

Lot Details

  • 6,970 Sq Ft Lot
  • Lot Dimensions are 55x129
  • Privacy Fence
  • Back Yard Fenced
  • Landscaped
  • Level Lot
  • Cleared Lot
  • Property is zoned Single Residence

Parking

  • 1 Car Attached Garage
  • Garage Door Opener
  • Driveway
  • Off-Street Parking

Home Design

  • Cape Cod Architecture
  • Vinyl Siding
  • Asphalt

Interior Spaces

  • 1,296 Sq Ft Home
  • Paddle Fans
  • Blinds
  • Sliding Doors
  • Living Room
  • Loft
  • Finished Attic

Kitchen

  • Eat-In Kitchen
  • Range
  • Microwave
  • Stone Countertops

Flooring

  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • Bathroom on Main Level
  • 1 Full Bathroom

Unfinished Basement

  • Basement Fills Entire Space Under The House
  • Interior Basement Entry
  • Laundry in Basement

Home Security

  • Carbon Monoxide Detectors
  • Fire and Smoke Detector

Outdoor Features

  • Deck
  • Exterior Lighting
  • Shed

Schools

  • Schenectady High School

Utilities

  • Central Air
  • Heating System Uses Oil
  • Radiant Heating System
  • Baseboard Heating
  • Electric Baseboard Heater
  • High Speed Internet
  • Cable TV Available

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Legal Lot and Block 25 / 4
  • Assessor Parcel Number 421500 49.52-4-25

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,366

Year Built

Built in 1954

Lot Details

0

Parking

1

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Zoning: Single Residence
  • Year Built: 1954
  • Directions: State Street to Elder Street. Or Union St. to left on Wright thru Central Park to Monument Hill to Elm St., Nora Ave, Elder St.
  • Above Grade Finished Sq Ft: 1296.0
  • Architectural Style: Cape Cod
  • Financial Details General Taxes: 3216.39
  • General Taxes Description: Actual
  • Financial Details School Taxes: 2150.09
  • School Taxes Description: Actual
  • Lot Size Acres: 0.16
  • Lot Size: 55X129
  • New Construction: No
  • Parking Features Parking Total: 3.0
  • Full Bathroom Level: First
  • Sale Detail Seller Contribution: Yes
  • Garage Yn: Yes
  • Appliances Refrigerators: Yes
  • Fencing:Back Yard: Yes
  • Fencing:Privacy: Yes
  • Cooling:Central Air: Yes
  • Appliances Microwave: Yes
  • Architectural Style:Cape Cod: Yes
  • Flooring:Vinyl: Yes
  • Fencing:Fenced: Yes
  • Laundry Features:In Basement: Yes
  • Electric:Circuit Breakers: Yes
  • Fencing:Vinyl2: Yes
  • Directions Remarks: Agent to Agent Remarks: Washer & dryer are not included. Swing set will be removed before closing.
  • Directions Remarks: Public Remarks: Adorable Cape Cod full of potential and ready for you to make it your own! Step into the inviting living room featuring a charming bay window. Enjoy easy-to-maintain vinyl flooring throughout mist of the house and three comfortable bedrooms. The upstairs offers a versatile layout with a bedroom, cozy loft area, a walk-in cedar closet, and an additional large storage space. Spacious eat-in kitchen with tile back splash and plenty of work/storage space. Sliders off the garage lead to a newer fully fenced backyard with a covered deck, perfect for entertaining. Full basement that offers more storage. Major updated include: roof '20, driveway '19 & fence '19. Close to Central Park, Hospitals, grocery & more. Come add your personal touch!
  • Special Features: VirtualTour

Interior Features

  • Flooring: Tile, Vinyl
  • Basement: Full, Interior Entry, Unfinished
  • Interior Amenities: High Speed Internet, Paddle Fan, Walk-In Closet(s), Eat-in Kitchen
  • Appliances: Microwave, Range, Refrigerator
  • Full Bathrooms: 1
  • Total Bedrooms: 3
  • Door Features: Sliding Doors
  • Living Area: 1296.0
  • Bedroom Level: First
  • Kitchen Level: First
  • Living Room Level: First
  • Loft Level: Second
  • Window Features: Blinds
  • Bathroom Levels Full Bathroom 1: 1st
  • Interior Features:High Speed Internet: Yes
  • Interior Features:Paddle Fan: Yes
  • Full Basement: Yes
  • Kitchen Features:Eat-in Kitchen: Yes
  • Interior Features:Walk-In Closet(s): Yes
  • Attic Features:Finished2: Yes
  • Attic Features:Walk-Up: Yes
  • Basement:Interior Entry: Yes
  • Appliances Range: Yes
  • Basement:Unfinished: Yes
  • Attic Features:Eaves: Yes
  • Interior Features:Stone Countertops: Yes

Exterior Features

  • Exterior Features: Drive-Paved, Lighting
  • Roof: Asphalt
  • Construction Type: Vinyl Siding
  • Fencing: Vinyl, Back Yard, Fenced, Privacy
  • Other Structures: Shed(s)
  • Patio And Porch Features: Deck
  • Waterfront: No
  • Construction Materials:Vinyl Siding: Yes
  • Door Features:Sliding Doors: Yes
  • Exterior Features:Drive-Paved: Yes
  • Patio And Porch Features:Deck: Yes
  • Lot Features:Landscaped: Yes
  • Lot Features:Level: Yes
  • Window Features:Blinds: Yes
  • Lot Features:Cleared: Yes
  • Exterior Features:Lighting: Yes

Garage/Parking

  • Garage Spaces: 1.0
  • Parking Features: Off Street, Paved, Attached, Driveway, Garage Door Opener
  • Attached Garage: Yes
  • Total Parking Spaces: 3.0
  • Property Detail:Garage Spaces: 1.0
  • Parking Features:Off Street: Yes
  • Property Detail:Parking YN: Yes
  • Parking Features:Attached: Yes
  • Parking Features:Driveway: Yes
  • Parking Features:Paved: Yes
  • Parking Features:Garage: Yes
  • Parking Features:Garage Door Opener: Yes

Utilities

  • Utilities: Cable Available
  • Sewer: Public Sewer
  • Cooling: Central Air
  • Electric: Circuit Breakers
  • Heating: Baseboard, Electric, Oil, Radiant
  • Laundry Features: In Basement
  • Security: Smoke Detector(s), Carbon Monoxide Detector(s)
  • Water Source: Public
  • Cooling Y N: Yes
  • Heating Yn: Yes
  • Heating:Oil: Yes
  • Heating:Baseboard: Yes
  • Heating:Electric: Yes
  • Heating:Radiant: Yes

Condo/Co-op/Association

  • Association: No

Association/Amenities

  • Parcel Tax HOA:Association YN: No

Schools

  • Junior High Dist: Schenectady

Lot Info

  • Land Lease: No
  • Lot Features: Level, Cleared, Landscaped
  • Parcel #: 421500 49.52-4-25
  • Lot Size Sq Ft: 6969.6

Tax Info

  • Tax Annual Amount: 5366.48
  • Tax Block: 4
  • Tax Lot: 25

MLS Schools

  • HighSchool: Schenectady

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 11, 2018
Closed on
May 30, 2018
Sold by
Acosta Raymond R and Acosta Namasetrie Singh
Bought by
Rivera Raymond Patrick and Brijraj Lela D
Seller's Agent
Diane Lynch
Hunt Real Estate ERA
Buyer's Agent
Gia Smith
Monticello
List Price
$114,500
Sold Price
$120,000
Premium/Discount to List
$5,500
4.8%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
9.74%
Original Mortgage
$117,826
Outstanding Balance
$101,099
Interest Rate
4.25%
Mortgage Type
FHA
Estimated Equity
$142,139

Purchase Details

Closed on
Aug 31, 2007
Sold by
Trust Lamp Kenneth T
Bought by
Acosta Raymond R Namasetrie

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$101,700
Interest Rate
6.74%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jan 4, 2002
Sold by
Lamp K
Bought by
Audette Kathy
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Type Sale Price Title Company
Deed $120,000 American Land Title
Deed $113,000 Peter V Coffey
Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $117,826 FHA
Previous Owner $101,700 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
12/12/2025 12/12/25 Sold $230,000 -6.1% $177 / Sq Ft
11/18/2025 11/18/25 Pending -- -- --
10/12/2025 10/12/25 Price Changed $245,000 -2.0% $189 / Sq Ft
08/13/2025 08/13/25 Price Changed $250,000 -5.7% $193 / Sq Ft
07/22/2025 07/22/25 Price Changed $265,000 -3.6% $204 / Sq Ft
06/27/2025 06/27/25 For Sale $275,000 +129.2% $212 / Sq Ft
05/30/2018 05/30/18 Sold $120,000 +4.8% $93 / Sq Ft View Prior Sale
04/16/2018 04/16/18 Pending -- -- --
04/11/2018 04/11/18 For Sale $114,500 -- $88 / Sq Ft
Source: Global MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,366 $107,800 $16,200 $91,600
2023 $5,232 $107,800 $16,200 $91,600
2022 $5,205 $107,800 $16,200 $91,600
2021 $5,177 $107,800 $16,200 $91,600
2020 $5,100 $107,800 $16,200 $91,600
2019 $2,866 $107,800 $16,200 $91,600
2018 $5,153 $107,800 $16,200 $91,600
2017 $4,907 $107,800 $16,200 $91,600
2016 $5,309 $107,800 $16,200 $91,600
2015 -- $107,800 $16,200 $91,600
2014 -- $107,800 $16,200 $91,600
Source: Public Records

Agents Affiliated with this Home

  • Gia Smith

    Seller's Agent in 2025

    Gia Smith

    Romeo Team Realty

    (518) 410-4017

    105 Total Sales

    Gia Smith
    Section Image
  • Yogesh Lachman

    Buyer's Agent in 2025

    Yogesh Lachman

    Lachman Real Estate Group

    (518) 935-5060

    49 Total Sales

    Yogesh Lachman
    Section Image

  • D

    Seller's Agent in 2018

    Diane Lynch

    Hunt Real Estate

See All Agents

Map

Source: Global MLS

MLS Number: 202520580

Global MLS

APN: 049-052-0004-025-000-0000

New York Schenectady County Schenectady 12304

305 Elder St, Schenectady, NY

Sold

Detached

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