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NS FOOM 8 :10- 1 -37 1. AREA DE SCR,,. ION - SECURITY MAP OF Sch. .tady, N. Y. AREA €ttARACTERISTICS: a. Descri ption oL TeFrain. b. Fav0r.able Influences. Land is slight ly high and flat . Attract i v o Ucv elopment. c. Detrimental lnfiuenees. None. , a. 2. Pe,r cen tage o, '.1:and imp110ved ~ $; e. Trend of desirability next 10- 15 yrs. s .t ablo b. Estimated annual family income I NHiBI TAN1S : a. OceupanLon :Businoss exeCl.ltivee c. iF0reii gn-b0t1n !l'amihesJt__ $; _ _ _ _ _ _ _ _ _ _ predominating; d. f. g. 3. P.opulat ] 0n is increasing _ _- - 4. decreasing _ _ _ _ __ _ OTHER TYl'E OTHER TYPE _ _ _ Y:ear s _ _ _ Years 100 % Type Singles b. ©0nstruct:i!on 'Brick & frame € , Ave,r,age kge 1~5___ Y.ea:us a. Repai!,r Eiccellont e. Qeeupaney 1~90~_ _ _ $ _____ $ _ __ f. Home 0wnershiiP 1=:00.c;.__ _ _ % _____ % _____% g. Gonstru eted past yr . 1 h. 1 929 PFiiee 11ange $10,000- 50 ,,ooo ____lQQ$ i. 1935 Pd ee range $ 6000~25.000 j• 1938 Fri.J e e Fange $6000--25. 000 k, Sa,'.lles demand $ 61i0Q.,9()()() n. Activity, m. :1:929 Rent Fange $ n. Ren n rramge $ __$ $ o. Ren ill r,ange $ __% $ p. Ren tail. demand q. Aeti:vi,t y No ; __% static _ _ ~ Y~•~•~ - - - - a. _ % $. _ _ _ __ $ 100$ __QQ_$ $ _ _% $ ____ % ~% $ _ _ % $ _ _ __ ____% 100% $ _ _ _ __ $ Fail' ____,,,., $ _ _ _ _ __ --~Ulll% $ _ __ _ ____ % _ _ % $ _ _ _ __ _ ___ % 100% $ __% _ $ _ _ __ $ $ No t a rental aroa A:VA lli i AB DL11!¥ 0F' MORTGAGE FUNDS: s. CMR! F¥1 NG REt,1.RKS: ,, Negro Relief families _ _ _ __cN,,_o...n-:•,-__ _ __ _ _ _ __ BU ILDINGS: !iRED.OMINATING $ _c5000 ::::::.::_~uc,:_ p _ _ __ a. Home purchase Amplo Th.is is a small area cont aining designod und set ,tell b ack from l1oll landscaped ruid .-s treet-a are Road duelliilgs ..:ire smallor than b . Home building=An!P~-l~o_ _ _ _ l arbo hom0s at t ract ively tho s t reet ~ Grounds, are shnded. On Washington t hoso on Sunnyside no~ NAME AND tGCATION _ _.....,,,Sco"'-t-'""i;,.__ _ __ __ _ SECURITY GRADE _ _,,_A_ AREA NO. _l_ __ l' 2, 3. • • NS FffiH 8 :10-1-37 ~RE~ DESCRIPTION - SE CUR I TY MAP OF Schcncct;ul,y,N.Y. ARE~ CttARACTER!S~~cs: a. Descrtpti0n oi Terrain. Hiejl. and slightly rollingtorrain. b. Favorable lnfluenc~s. Convenionco ond attrnctivcnosa of location. e. Detr~menta1 Iniluences. Nono. d. blereentage 0f O..and improvea 1 00 %; ffiNHiBilANrs: a. ©cewpat .:i. 0 n _lilic_e_cu_t_i_v-e_s_ _ _ __ e. Trend of desirability next 10-15 yrs.Stable _ _ _ __ b, Estiimated annua~ family income ffOO - Negro No F0reign-Oorn iamilies_O_$; e, In~iltration of_~N~o_n_•~---- f. g. P0pulati .i on is increasing _ _ __ decreasing a. Ty~e S.in&]..cs b, C0nst -r,ueti0n Brick & frame OTHER static Yos OTHER TYPE ___ Years _ _ _ Years d. Repa:i!,r Ex.ccllcnt e. Oc;;eu•pant<.:y 100 = ____$ ____ $ ____ $ j' H0me 0wnership 10~0~-~ -% _____ % ____ $ g, Constructed riasu yr.. Nono h, 1929 Price r.ange '' 'l.935 Pric-e range :!J2, 000-50 , 000 ---1QQ% $ 100% $ :lc2,000,.25,000 _§Q_$ $ _ _$ $ j ' 1938 P,r;d.ee r.ange :1-2, 000-25, 000 $ - -% $ k, Sales demand f2,000-l5,000 $ $ 1. Keu iv: iJty Fair m, 1929 Rent r.ange $ __ill)$ n. Rent range $ - 0, Rent range $ - - •• _§Q_$ p. Rentai demand $ ~- Aet ci. vity Not n rental aroa AVAILABit[ Tt OF MORlGAffiE FUN~S: CLARIFYING REfiARKS: NAME XND LOCAT] ON a. ; __ % None TYPE $ 2 5_ _ _ Yiears e . 11:veFage Age 6, Relief families BUILDI NGS: PREDOMINATING 100 •· predominating; d, e. up 100% ____ % ____$ $ 100%· $ 100% ~ % $ $ $ ____ $ $ % $ ____ $ $ $ Home purchase .Aqplo b. Home building Ample This •is on area of largo sinG10s of vo.ricd dosiGfl located on rnthor extensive plottn.i.-:,;c. GI'ounds oro \'Tall luntlsco.pcc1. and streets .nro sho.clod. · It represents tho cityl s mst o.""tclusivo rcsidontinl neighborhood. Original ,lcvolopmont of' this section 'ilas by tho Gcnorol E}:octric Realty Cca>rporation for their oxccutivcs. Realty Plot - Schonoctn.ey SECURITY GRADE ......____ AREA Nell _ __ NS FCRM 8 - 10-1-3'7 1• 2, AREA DESCRIPTION - SECU 'RITY MAP OF ' · A1REA Ot,1:AR:AC'trERH>TICS: a. IDeseriplii@n of 'Ferrain. LDnd is goneraJ.ly flat. b. Fav0ra:ble lnfluenc~s. ,A.ttractivonoss of dovolopmont and low truces. e. 0etrimentair Innuences. Distance from canter of city. a. iFe11c;:enllage 0, ltana iinpr0v;ea _ _ '.fi; 33 l/3 lNff~Bl!fJJkNTS: • Mll©r exeeutivos Stablo e. Trend of desirability next 10-1.5 yrs. _ _ _ __ b. Estimated annual family income $ _ _ _ _ _ _ __ 3000 -up a. (i)<wupa:tru0n______ ____ e. iF©l!leir,g,u-b@,:rn '.famiUes~ $; _ _ _ _ _ _ _ _ _ _ predominating; d. e. Inffiihrati,0n ©f '.None f. ~ ------- g. 3. Sch.ctndy N. Y. Negro No ; __% Relief families _ _ N_r,_n_o_ _ _ _ _ _ _ _ _ __ decreasing _ _ _ _ _ __ static _ _ _ _ _ _ __ :EUitDIN@S: FREIDOMTNATING ai. J.OO % QTMER TlPE OTHER TYPE _ _ _ YeaFs _ _ _ Years _____ $ _____ % _____ % _____% S\i!lf').es 'l.'yrpe Frame 3 --=_ _y eaFs Eicce.'lll etil. t l.00 --~==% IOO f. H@Jlle @w.m~Fshii!@ g. (e0ns:t:rueil!.e0 past yrg •_ _ _ __ = = =~=$ 15 100% _ _ % $'- - - - - =- j. k. 1938 Prruee ~ainge $ai!!les dema:nd _ _$ $ _ _ _ __ _ _% $ _ _ % $ _ _ _ __ 100% _ _ _ _% _____$ $ _ _ _ __ $ _ _ _ __ $ _ _ _ _~ $ _ _ _ __ HOUSES ARE NOT FOR $:ALE @. 'Renn Fange JP• Rennl!.ail lil'emand g,. Acnivi tf ____:__i.00$ $ _ _ _ __ __$ $ _ _ __ $ _ _ _ __ _ _ % $ _ _ _ __ $ _ _ _ __ $ _ _ _ __ 100% $ _ _ _ __ __$ $ _ _ _ __ _ _ ,; $ _ _ _ __ -----% ----% $ _ _ _ __ Net o. rental area b. Home building 0_J:ill-=-l_o_ _ __ "- · J\:V.HLA,13DLI'1'iY ~F M@R'L'@A'.GE Fl!J'NDS: 5. (CL:AITUFYING RE~;ARKS: This is a new dovolopmont of small, oodorn singles of varied onf.. pleasing architecture. It is a realty dcvolopmont but houses are built on order by the beyors of lots '7hich aro small, It is a popular londing area \7ith the Prut:lontinl Insurance C0mpnny of .lu:lorica. 6. 100% a. H0me purchaseample Grnncl l30ulevo.rd Estates NAME ANID M)CA'J!'ION Town of Niskayuna SECURITY GRADE_A.~_ AREA Nef. ___ NS F<-:RM 8 10-1-37 ,. 2. 3. ARE~ DESCR,ION - SECURITY MAP OF Scl>.ctncy, N.Y. AREA CttAR~CTERIST!CS: a. Description 0f Terrain. Ground is high and rolling. b. Favorable Influences. c. Detrimental Influences. Nono. d. Pe,r centage 0f [ and '1.mproved90....._ 'Ji; ..A,ttroctivonosa of devolopracnt and low truces. e. Trend o! desirability next 10-15 yr::S.t,,n,,b,,le,e'---- b. Est!imated annual family income $~3000.,,.,,_.!!up.,__ _ __ INHABi1ANTS: a. ©eGupa1~0n Busines & praf'essiono]; c. F0:r-e'.1J gn-born !amHies0-- $; - - - - - ~ - - - - predominating; d. e. I ~ fi ] trat ion of _ _ _l~i~0~"'6•--- f. g. 'P-0pu ~ation d. s increasini;t,lowly deereasing _ _ _ _ _ __ BUILDINGS: PREDOMINATING 100 a:. \Fype b. Const ~uetd en e. Average /i:ge d. Repair Goog e. Oceu,pan<::y g,,.e- -- - % f. Home ownership g. ~0ns-truE: tl ed [.last! yr"-------- h. 1929 ~ri€e Fange NegroJll•,oo~-; _ _ % Relief families----"'"'-''----------- % static _ _ _ _ _ _ _ __ OTHER TYPE OTHER TYPE _ _ _ Years _ _ _ Years Sing) ce i. 1935 :PFiee range 9_ - -~ ___ % _____ $ i - ---'' _____% 30t000 100$ §Joo .lf!i,OQG- __% ~ s fi . 1938 !Price Fange fi>oo-16,000 k. Sai es demand lSJoo...7000 L Ac t i:vt ti y l1 . m. :1! 929 Ren n r,ange $_ _ _ __ 100% $ $ _ _ _ __ _ _ % $ _ _ _ __ $ _ _ _ __ $ _ _ _ __ ____ % %0 .... 100 ----1ll0% $ _ _ __ 100% n. 1:935 Rent r.ange $42j; " -=-i $ _ _ __ --% $ _ _ _ __ ----% 0 . 1938 Rent range %5 - 75 ...25.-% $ _ _ __ --% $ _ _ _ __ ____ $ p. Ren nal demand q. Activity. 7Q $ _ _ __ $ _ _ _ _ __ $ _ _ _ __ Gooa lJ! , A·VfiILATu~J1]U'Y ©F MORTG-AGE FUNDS: s. CLAR I FN NG RE!,ARKS: a. Home pur.chase Aqil o b. Home building.Amol~o~--- !J!lrls is a section of ono f.noily c1nolline;s rQ!lGinc froc the oodest to those of fair sizo~ They are oodern oncl of varied but nttractivo design. Lota ore a bit too narro,, but 'iTell IJaintainoc1. Grand ll>ul ovnxd 0, NAME AND LOCAa'!QN!Eo,.,_.,m'"'-'a~f~N,..ius~k,,_nl/lµm=a~------,- SECURITY GRADE__.,___ AREA NQ-1, _ __ NS FOOM 8 • 1 0 -1 - 3'7 1. 2. 3, ARE A DE SC RIPTION - SECU RI TY MAP AREA €riARACTERISTlCS: . OF Scll.cta<ly,N. Y. Sli-;htly rollinG land. a. Descnp tll on of 1:errain. b. Favorable 1nfluenc~s . C, Detr-imental Influences. Distance from center of city one: lack of convanicnccs oxcopt uator, ens a..•U. bl cetrici ty. d. iPer-cenitage 0i:fi land impr-0ved ~ $; t Attractiveness of entire soction and lo~ truces. Trend of desirability next 10-15 yrs~_t_nb_l_c_ __ e. INH~B!TkN]S: Estimated a:nnual family i ncome $_5000 _ _up--=--- - - a. 0 ecupation Ex:ecu.ti vos & prof ossio~ fb. e. F0reign-born ! amiHes_O_%; - - - - - - - - - - predominating; d. e. Ji n:ti1tra:h 0n of: __N=..c.on=•-=- - - - f. g. P0pulat ~on is increasing Slouly decreasing _ _ _ _ _ __ Negro Ro ; __% Re1ief families _ _ _N_o_n_c_ _ _ _ _ _ _ _ _ __ static _ _ _ _ _ _ _ __ BNTLD] NGS: PREDOMIN~] ING 10:J OTHER_ TYPE OTHER TYPE _ _ _ Years _ _ _ Years - -~ -% ____ % ____ % _____ % $ SinG].os a. 'Fy,pe b. G0nstlt"ueti0n c. Av:erage ~ d, Repa:ir e. 0ee upa.:ne y ~. H0me owne,r-sfi i p g. C::0nst r-ue:: tl ed pasit yr. h. ;[! 929 .. Fraoe & brick 20 ____ Years EKcollent ~~--' 100 100 _____ % 3 .Fdce r.an,ge $ l:2,000-4D,OOO ---1QQ$ i. !l.935 Price r.ange $ iooo..20 , ooo ~% $ j . 1938 Price uange $ 7 EQ0-20.,!JOO k. Sa,l!es demand _ $_ _ _ __ 100% _ % $ _ _ _ __ ____ % 65 % $ _ _ % $ _ _ _ __ ____% $ $ _ _ _ _ __ $ 75)0-10,000 ~- :A:€1liV:iJtl y. 100% $ I,ig;it $ _ _ _ _ __ m. 1929 Rent r,an.ge $ -'-"0% $ n. Ren tl i:-ange $ __$ $ __$ $ _ _ _ __ ____ % o. Renrt ra,nge $ __$ $ --% $ _ _ _ __ ----% p. Ren t, al demand q. A:e t ivit-y $ 100% $ _ _ __ $ Not a rental JOO% o.r00. .A,:Jplo .Aoplc b. Home building _ _ _ _ __ 4. AVA !tABILl ] Y 0F MORillGAGE FUN0S : s. CLARIFHNG REMARKS : 6. TmmofNi~ A 5 NAME kND L00ATIQN _ _ _ _ _ _ _ _ _ _ _ _~SECURITY GRkDE _ _ _ AREA NO. _ __ a. Home purchase This section contuins mdorn hones of fair ai:?:c TI'i th grounds in proportion llhi ch arc rtoll L'.IO.in t o.inod. 1l!:io entire oroo. has the air of country rathor than city. NS F<RM 8 10-1-37 a • AREA DESCRIPTION - SECURITY MAP OF Sch:!""ectacy, N.Y. AREA CriARACTERISTICS: a. Descrip tion of Terra1·n 'Land is lot1 in south and sli(#l.tly hiehor in tho north. 1. Very conveni ent 3. qui to o.ttrncti vo. Favorab le Influenc. .:.s. c. Detrime ntal Influenc es. Occnsio nol fog and dnt:pnos s in soui.h, near rivOr. d. Percenta ge of land improv ed~$; INHABITANTS: White cellar and . skilled oecbtln1C.s a . 0 ccupat1o n . 2. an\• b. e. Trend of desirab ility next 10-15 yrs.S_tn_l>_l_o_ __ b. Estimate d annual family income $ lOOO llP c. Foreign- bor.n familie s_0_$; - - - - - - - ' - - - - - predomi nating; d. e. Infiltra tion of _ _ _~N=on~• "--- f. g. Popu1ati on is increasi ng _ _ __ decreasi ng _ _ _ _ _ __ BUILDINGS: PREDOMINATING 95 Negrolt_o__ ; _ _ $ Relief families _ _,.l.e.. ..::fc.: :"""'-- ------- -- OTHER TYPE $ 5 static ___Y~•-• ----OTHER TYPE _ _ _ _ $ $ l):Jublos Sin{"..les a. Type b. Constru ction c. Average Age 2~5~__ Years 2~5e..__Years d. Repair Good Good e. Gccupancy, "8e.__ _ _ $ 9 ,c9,ec8_ _ _ $ ____ $ f. Home ownersh ip ,,,85e..__ _ _ $ ,,90:,___ _ _ $ ____ $ g. Constru cted past: yr,. None h. 1929 Price range Franc $ 6000-12 ,000 i. 1935 Price range $ 3500--7000 j . 1938 Price range $ 36'.)()..7000 k. Sales demand $ 3500--roo<l l. A<;tivity m. 1929 Rent ran ge D• 1935 Rent range o. 1938 Rent range p. Rental demand q. Activity _!QQ$ 60 $ $ SJQ0..6000 _§Q_$ $ 0000-:6000 100$ ro i __!!Q_$ 100$ $. _ _ _ __ ____ $ $ $ _ _ __ $ _ _ __ $ 0000-600 0 Poor Fair $40 -60 $27½ - $1.0,000 -12,000 _ _ _ Years 4?¼ $ 30 - 45 ---1ll!)$ ~-BJ 100% $ _ _ _ __ ____7Q_j i?½ - 70 $ $ _ _ __ --1!L% :i(l5 - 35 --1§._$ $ _ _ __ 3?! s;a5 - 35 $30 -45 ____ $ $ _ _ __ Good Good a. Home purchase .AJ:ple b. Home building J,J::ple 4. AVAILABILITY OF MORTGAGE FUNDS : 5. CLARIFYING RE}iARKS: 6. NAME AND LOCATION _ _...,sc::co;_t:.:i:=o._ _ _ _ _ _ _~SECURITY GRADE ' In this arao., sind-es ore of the 1½, 2 and~ story type;' set back alich,tly froo. shru:1ecl streets and built not too closely togethe r. Pric'.o of omiersh ip is mill displeyo d. l,-_ _ _el: AREA N0 .1_ __ • NS FCRM 8 10-1-37 1, 2, 3, AREA DESCRIPTION - SEC UR I TY MAP OF Sch,.ctmly, N. Y. tREA Cri~RAC]ER!STICS: a. Description 0 fi Terrain.High ond slightly rolling terrain. b. Favor,able InfluenGcs. Fairly convenient •. €. DetrimentaI In:Huences .Nono. · d. Percentage of ~and improved~$; e. Trend of desirability next 10-15 yrs. St ablc IN!IABITANTS: Whi to collo:r a. 0ccupat:iJ 0 n ----~---'----'--'--'--• and Bki:llcd occbmii:cs. b' Estimated annual family income $_l_20()... _ ~"P _ _ _ _ __ c. F0reign-born if am,i li es ~ %; _ _ _ ___cP,_n"l"i"sh=---- predominating; d. e. J n:fiil1:ra'ti d. on of Saoo t;. g' Populat:i0n is d,nez;-easing Slorrly decreasing _ _ _ _ __ BUILDINGS: J>REDOMINA1!NG 85 Relief families __A_f_avr _ _ _ _ _ _ _ _ _ __ $ OTHER TYPE a, 'illype Sing,"1.es l))ublos b. Gonstruction Fraoo F<-ono e. .A:-v er,age Age a:) d. Repai! F Good e. 0ocupaney 95 $ L H'0me ownership ,o $ g, C0nst ruGit: ed pasrt. yr. 10 h, 1929 Pr,ke range a:) Yea•Fs static _ _ _ _ _ _ __ 15 $ OTHER TYPE Years _ _ _ Years 85 $ ____ $ 95 $ _____ $ Good None $ 5500-10,000 ___!QQ$ :(,'000-10,000 100% $ i. 1 935 :FJJiee r,ange $3500-6000 65 $ ~5000 60 $ 0' 1938 P-r.iG e range $ 3500-6000 65 $ $4000-5000 60 % $ k. Sades a.emantl ; :A:cti:vi tY. ' :;4f00-5500 $ 3500-EOOO ---'l.QO$ $30 - 45 1935 Ren.t range $ 27½ - 37½ ~% 1938 Ren t range $ 30 - .40 ~% p. Ren t:al .clemand $ q, Activi'ty. 1929 Rent range ". 0, $_ 30-40 4- AVA!LAB!Ll[Y OF MQRTGAGE FUNDS: 5, CLARIFHNG R0NARKS: % $ JOO% $'.8 - 27½ rnc% 65 $ $ $ ~ - 30 ~$ $ $ $ 2o-30 $ a. Home purchaseAoPlc b. Home building lu:!plo Hore is founE'. a c.ixturo of bun;Jo.lous and slightly lurcer singles s.:i.vo on Michignn nnd Pennsylvania Avonuos rlhich n.ro given over aloost o,x:clusivcly to tno fm:i.ily duollin.Gs. ill lo ts ore qui t ·o nnrrou. Prida of Oimcrship is oarkod. . % $ Poor Good -- 100% .Poor Good $40-60 m. Negro~; _ _ $ NS FCRM 8 10-1-37 1. 2. 3. AREA DESCR,TI ON - SEC UR I TY MAP otschon,tady, N.Y. AREA CrlARACTERLSTICS: a. Dese ription of Terrain. RollinG c.round. b. Favorable hnuenct::s. e. Det:rimen ti al hUuences. llano. d. Pere entage of, land imptl'oved::._ $; JNH~BITAN]S: Conv.oniont o...'lt1 o.ttrnctivo locntirin • . e. Stnblc Trend of desirability next 10-15 yrs. _ _ _ __ b. Estimated ~nnual family income $__ __up _ _ _ __ Whit coll 1 500 a. Occupa-t10n"_ _•_ _ _ nr _ _ _ __ c. Fo11ei:gn-born families5_ _ %; __I_t_ol_ion~•----- predomin~ting; d. e. F~ ~i t tration o,if_lo_n_o_ _ _ _ __ f,. g. P.opula>t ion il s :in e reas:i.ng _ _ __ decreasing,_______ Relief families Negro~ ; _ _ % fan - A. = =---------static . · --.. ·. .Yes BNIL~INGS: PREDOMINA]JNG 6(} $ . ,lloublcs OTHER ]YPE 40 % OTHER TYPE Singles a. 'llype b. C0nst vue ti0n F.rooe c. Average 11.ge ro ____ Y.ears d. Repai: 11 Geoc1 Good e. 0 eeu:Paney BO,_..,....,..,...~ % s.,o~---' ____ % fl . H@me 0wneFsh ~p 75 7~5_ _ _ _ % _____ % g. C::onstir ucted pas't y~o~n~o~--- h. il. 929 i8Fi ee ran,ge % ~-10,000 _ _ _ Years None .-i!Q_Q$ SSJ0-10,000 iJ . 19.35 !1?:r; iee rang~ -tQ00-6000 li{l__$ SffiQ-6()()0 j . 1~38 l?r,:l!0e r,ange ~00-6000 !iQ__ % :S000-6000 k. SaJ!es demand i)OQ-6000 %000-5000 ]. :Ae t :i!vi tty Poor Fair m. il.929 Rent r,ange ~ - --45 _ _ __ ---'""'' ~ 2"'•2. ~% ~-37½ 100% 65 $ _ _ __ 100% - 60 Ren :P Fange \.R ~ - o. 19 38 Rent r ainge ~c..::-..:30 =-~- '.?Q__i -l;!i_-_40_ _ 75 Rental demand ~ - 30· :ts - gi . Aet .i vity .Poor Fair ____ % ____% n. 1935 p. % $ _ _ __ $, _ _ _ __ _ _....JJO!l% 70 35 % $ _ _ __ $, _ _ _ __ •· AV~ILABIL!T¥ ©F MORTGAGE FUNlliS: 5. CL~RIFJMG REl,ARKS: 6. NAME ~NB t OC~Tl0N --'S'-'ch-'-on=o"-ct=uey~------~ SECURITY GRADE _ll_ _ AREA N ~ - - - a. Home purchasM_l_o_ _ b. Home buildingaA!Jp=~l~c_ __ TA-is is rut orCO. containing little variety in sizo one'. t;ype but · u:r.1 dwellings a.re of fair age.. Lots nro a bit too narrorr but proportios n.ro woil en.rod for ond streets arc nicely shod~ ' AREA CHARACTERISTICS· • a. Descripti@n of T~rrain, Lont'. rises to ·the cnst •. b. Fav0rable InfluenGes, C.o nvcniont ru.1c1. a.ttra.ctivo loc...'ttion. _ c. Det-r.imental Infl:uences. llano •. d. Pex:-E:;enotage oif 'land impr0ved ~ $; NS FCRH 8 10-1-37 2. AREA D[SCRIPTION - SECURITY MAP lNHAB:LTAN'.I:S: Pro1'ossionnl ancl 0€Gupa't'.ion,, _w_h_i_t_o_co_l_J._ar _ _ _ __ e, g, 3, n. Y. Tr.end of desirability next b. Estimated annual family income $___UJ? _ _ _ __ 10-15 0 Fore:Lgn-bo:r.n famihes_ _%; _ _ _ _ _ _ _ _ _ _ predominating; d. Ueno Nono ln hit rMion of f. Reli.ef fami1ies . . very PopuJ..auion is 1ncr.eas1ng 1 .\/1 3 WO BUILDINGS: 80 a. 'irype Sinc;l.os b. ~onsu:r;ueti0n Fraoo & brick Fra!'.lo C, &wer.ag·e Age 30 30 d, Re,pa1r, Good e. ©ee upancy 98 % f, Home 0wnersh d.p 90 % g, 8onstruet ed pas t y,r. h. 1929 P-r ice vange $ i. r935 :Pr.ice r,an,ge $ 5000-20,000 ___§2_% j . 1938 PFice ~ange $ 0000-30,000 k. Salles dema:nd $ 0000-7500 ID . :A:et:LviJuy m. 1,929 Rent ~ange $ n. .l930Re,nt range $ 37½ - 70 ~% o. 1938Rent ~a:nge 70 $ 40 - --• p. Ren ta :!! demanQ $ q. Activ!l. 'tly % Years No Negro _ _ ; _ _ % static decreasing OTHER TYPE Doubles PRED.OMINAT~NG Sta.blo yrs. _ _ _ __ e. 1800 a:. c. OF SC'll..cta{l_y,. 20 OTHER TYPE % Years Year,s Goocl 85 90 % % % % Nono 8 aroo-40 ,.ooo $ 8000-13,000 100'.J $ $ 4000-6500· 00% $_ ____$ 60 % $4000-6500 00% $ ____% ____!QQ$ $ 4000-6()(]0 100% $ Poor Fair 60 - 100 ...d.Oll% 75, 'IQ - 60 $35-60 $ 22½ - 37½ $ 25 ·- 40 $ 25 - 40 100% 65 $ % $ 70 --% $ ----% - ---% $ Poor Good Aoplo AVAILABJ tITY' OF M0RT~AGE FUNDS: S• CLARIFH NG RE~!ARKS: Th.is is an aroa. which was t1.ovolopcc1. prior to tho onn.ftoont Of zoniile; regulations ancl, ns a consequence, ho.s boo..1. clovolopocl TTith n consid.ora.bll intcmingling of both soa.11 and lar1c;c hor.ics ns ,'tall ns n scn.tteri..Tl[.: of doubles. Whorcµ.s. seIJO nrc considero.bl.o o.bovo tho a.vcrot;o seal~ others o.ro bolou a.s to ai;e 1 si"ze nnd desirability •. ~ s condition exists throiJ.Gb.out tho section an<l is no1; limtod to ony c1afino.11lc portion.. S-trocts o.ro shndod a.'1.d pride of a. Home purchase A;r;:wlo b. Home building q,. om1.orship is marked., o. Schonoctn.<'cy :Bl4 NAME NND 10CATl0N - - - - - - - - - - - - ~ S E C U R I T Y GRADE _ _ _ AREA NO. _ __ NS FC:RM 8 1 0-1-37 1. 2. 3. AREA DESCR,TIDN - SECURITY MAP DFSch.tacly, JI. Y. AREA.CH~RACTERl SrICS: a. Description of Terrain . Gr ound is hich a,.--ic~ flo.t. .An o.ttrnctivo l ocation. b, Favorab'l!e Influences . c, Detrimental! Inif !l.uences. Dist nnco froo c ant er of city o.'lcl hii;h t n.:x:os bocnuso of' l ocal inprovcncnt s . d. Percentage o:1! land im,pr.oved§Q__ $; ! NHtB!rANTS: a. ©ccu,pa'tioO.•White ·coll .ir e. Trend of desi r ab i lity next 10-15 yrs.S_t_a_bl_o_ __ b. Estimated annual fam ily inc0me ?_S0_0_1l!_'_ _ _ __ c. For,eign-b0~n families_o_$; _ _ _ _ _ __ _ _ _ predomi nating; d . e. 1nfilt! rati0n 0f_N_o_n_o_ __ g. Population ls i!Ilcr.easin,i?.:er y sl ou1;Y deer.easing _ _ _ _ _ __ --~ l!o_ ; _ _ % Neg r o _ Relief families _ _ _ _ _ _lfono _ _ _ _ _ _ _ _ __ f. static _ _ _ _ _ _ _ __ BUILDINGS: PRED0M]NinNG lOO % OTHER TYPE OTHER TYPE Y.ears Years · Sin5l cs a. ] ype b. Construction Frooo C. Av.e,rage Age 10 d. Repa-i: r Ex:ccl l cm t e. QceupanG: y 100 $ $ $ H0me ·0wner.shlp 95 $ $ $ ; . g. C0nst ~ucted pas ti yr~ h. 1929 PFi ee range Yea·r s $ Hone for sal o-=-1.QQ$ $ 100% $ 100% i . 1935 Priee t"ange ~00- 12, 000 $ $ $ $ % j . 1938 Fr:ice range $1()00- 12 , 000 $ $ % $ % k, Sales demand ~0©-7000 $ $ 1. iktiv:i: ty. Poor m, il. 929 Ren t range $Ione for rent .-lll<)$ 0. J.938 Renit Fange p. 'Rental demanll :r32½ - 55 f5 - 60 ef35 - 00 4, Acciv.ity Fair n . 1935 Rent range __$ $ 100$ __% $ _ •· 5. C1AJ/IFi ING QlEl:ARKS: 6, N~ME AND tG<;;AT!ON _ __c~o_mi_o_f_N_isk~nyun'---"--- _ $ $ $ $ a. 1 00% % $ $ AVA !1ABILI TY 0F M0RTGAGE FUNDS: $ Home purchase _l\pplc . . Auplo b . Home building This area con ta.ins scnl 1., oodcrn ~ one fn:-rlly houses nnd buni:;o.low.a .. ~oso ·to the llost of this sect ion nxo l o.rear o.s uoll as ro r o o.t t r n.ctivo nnd dosirnb lo. 5 --,,-SECURITY GRADE _ll _ _ AREA N0 _ __ % % NS FOOM 8 10-i-37 - SECURITY MA P OF Sch.ctacl,y,Jl,Y. AREA ,. 2. 3. ~REA CHARACTERISTICS: Lo,1 in south o.,.-id slie;htly hiG}l in tho north. a. Description 0. Favorable InfluenclZs. Fairly conveniently locatod. e. De1rimental Inf. ] uences. !l.11.1orc is OCCO,sionnl fog ::in,l cl.o.::Jj_mcss in the south, near the river. d. !Pereentage of land impr,eved~ %; of, Terrain. ~NH~Bl<rANffiS: a. 0ce•upa~i0n Mechanics e. Trend of desirability next 10-15 yrs. Stable b. Estimated annual family i ncome $_1200 ___up~---- c. _ _ _ _ _ _ _ _ predominating; d. F0reign-b0r,n families_5_:!; _ _Sl7odish e. ] nfi ilit!ra t i0n of g. J?0pu1ation is incueas1ng Very slowly Mone f. 110_ _ ; _ _ % Negro_' Relief :families __A~ . _f_rm _ _ _ _ _ _ _ _ _ _ __ static _ _ _ _ _ _ _ __ deereasing _ _ _ _ _ __ BUltDINGS: FRE00MINATING lOO % OTHER TYPE OTHER TYPE _ _ _ ;y.ears _ _ _ Years a. Type Sinc;lcs b. €:onstr.uetion Freno c. 11:verage Age 1_2_ _ _ Y.ears d. Repa~r Good e. 0ceupa:n<1::y: f. H0me 0:wner,ship ----~' 95 g. 80nst r;ucted h. 1,929 Pui ee range ~00- 8000 i . 1930 IFrice uang:e :jl000- 5000 9 • 1938 '.l?i!iiee rangie @Bl0- 0000 $ _ _ _ __ k. Sales demand $1000-BlOO $ _ _ __ ;. Aetivi ili y Foir m. [929 Rent range n. 19·3 5 ____% 98 ipasit Renit ora:nge _ _ __% _ _ ___ % _ _ _ _ :! ____ % yr.10 $35 - -----1.QQ$ 60 ta½ - 37½ o. 1938 Rent range t5 - -10 p. Ren ~a1 deman dl tl5 - q. A<.t.iviin y Good A¼MtAfl! LITY OP MORTOAGE FUN0S: 5. €MR!F¥1NG REliARKS: ---=>% $ _ _ _ __ ~% $ _ _ __ 100% $ _ _ _ _ __ $ _ _ _ __ a. Home purchas~irlit od 100% _ _ % $ _ _ _ _ __ ____% _ _ % $ _ _ _ __ _ ___ % $ _ _ _ _ __ 1 00% __ J $ _ _ _ _ __ ---'"":! $ _ _ _ __ ____ $ _ _% $ _ _ 40 4. $_ _ _ __ _ __ ____ $ $ _ _ __ b. Home buildingLinitccl Th.i s is ·an arco. m.do up alnost anti.rely of stcll , one nnd. These are built on nn:rroi7 lots and display a fair prido of omi.crship. ono--o.,."ld onerhalf story ~?)lm1s. 6. NAME KND t0CATI ON __s_oo_ti_u_ _ _ _ _ _ _ _---,-SECIJRITY GRADE _c__ AREA NO~--- • NS FCRM 8 10-1-37 1. A~[~ DESCRIRT:IOH - SECURITY HAP OF Sch-~tncly, IJ.Y, AREA 8riARiCTER ] ST!CS: Fairly hic;h crouncl vhicl1 is sooo,r1mt rolline. ~- Bescr-ipt i on of Terrain. 2. 3. b. Favorable [nfluenccs. Nono, c. IDetrimental Int,luences. Sr.:oko nnC. noiao fron rn.ilronds. d. 70 Beroen t age of l and improved __ $; INHABITANTS: Shop uorkors a. Oecupatiion _ _ _ _ _ _ _ _ __ Slowly .,,,u,,,--- e. Trend of desirability next 10-15 yrs. 00 b. Estimated annual family income e. F0reign-b0rn Lamiil.ies~ $; _ _ _I_W._i_nn _ _ _ _ _ predominating; d. e. Fnfiltr.at i:0n o'f _ _ _ _I_lo_n~o_ __ f. g. ¥0pula~i 0n is inereasing _ _~ _ decreasing _ _ _ _ _ __ 1000 $__ __up _ _ _ __ !lo_ ; _ _ % Negr,o _ A_ frm Relief families _ _ _ _ _ _ _ _ _ _ _ __ Yos static _ _ _ _ _ _ __ BU!DDINGS: PRED0MINAT.TNG , a. T¥,pe Sinclos 0. Const,ru1.rli 1:0n FraDc e. [ ver.age /,;.ge _1_5_ _ y_ ears @. Repa,h Fair e. 0ceu,paney, _ 98 __,,,__ _ % f. Home 0wneFsh i p g. ~onst Fuc ~ed pas ~ yr._l_!o_n_c_ __ h. 1929 Pr.iee rang-e :;-'3500-9000 1935 f,r fae !l'ange ~0-5500 1938 ..c-nr.;,.,.., ,,, e uange ~00-1;500 J. k,_ . Salles demand lOO $ 01HER TYPE _ _ $ ___ Years OTHER TYPE _ _ _ Years _____ $ ..~5;. . . - --' _____ $ ____ $ 100% _ 60_ % $ _ _ __ _ 60 % $ _ _ __ $2()00,..IJ/JOQ $ _ _ _ __ 100% __% $ ____ $ __% ____$ $ _ _ __ $ _ _ _ __ $ _ _ __ Poor m. n. o. p. :1929 Rent range 1930 1938 35 ~ 60 $-- - - - 22½ - 31½ ------>00$ $, _ _ _ __ 100% $, _ _ _ __ Rent r.ange $ 65_ $ _ $ _ _ __ __$ $ _ _ _ __ ____ $ Rent u~nge $25 _ -_i'.J) _ __ 70_ % $ _ _ _ __ _ _ _$ $ _ _ _ __ ____ Rental dem&nd ?_5 - 40 $ _ _ __ , $ _ _ __ Good Linitoc1 Lioitcd b. Home building _ _ _ _ __ 4. AVA ]tKBILl<!l'i OF M0RTGAGE FUNBS: 5. ~HRIFYING HEfiARKS: 6. NAME ~ND t OCATION __s_c_ot_i_o._ _ _ __ __ _~ SECIIRITY GRADE _c,. ___ _ AREA NO~--- ~. ffome purchase Thia is a. section of sr.m.11 ho~os ttn<l bun(;aloTI"e built too closely toi;othcr. Pric1o of o.mership is vary spotty. NS FC:11.M 8 10-1-37 ,. 2, 3. AREA DESCR. , . ION - SECURITY MAP OF Sch,ctady, N. Y, NREA Cttc\RAC~ER!STICS: a. Descriptiion of Te rr ain. Fairly flat land. b. Favorable Inf1uenc..:s . Room for expansion . c, Detrimenta!l I nf1uences. No t very convenient and lacks all ill\)rovements , save gas and electricity. d. Pevcentiage 0f land imp.roved!.§__$; INH'.A:BITA:N:l'S: Sb.op workers and a . 0eGupahon wh i te oo llar st abl ~ e. Trend .of desi r ability next 10-15 yrs. b. Estimated annual family income $ 1 200 & up e. F0reign-b0~n fami1ies0_ _ $; _ _ _ __ _ _ _ _ _ predominating; d. e, ]nfiltirati0n o~_N~on~ •----- f. g. P0puJ.auion is :imcr.easing Very slowly decreasing _ __ _ _ __ NegroN_o_ _ ; _ _ $ Relief families - - - ---=ll_o_n_o_ _ _ _ _ _ _ __ static _ _ _ _ _ _ _ __ BUlUDINGS: PREDOMTNATI NG a. Ty-]le Singles b. ®0nstructi0n l'-rame c. .A:-vevage Age d. Repair,- Good e. 0eeupanGy, 1=00 "'==~~ $ f. H0me owner-shiip 9'-'0'-----~~ % g. €0nst-r ueted past yr . 3 h. 1qJ9 :PriGe range OTHER TYPE OTHER TYPE _ _ _ Years ____ Y.ear s 100 % _ _ __ _ % ____12Q$ $ 100% $ i .1935 · Price range $3~0 ...fil_$ $ $ $ j. 1938 S!000-6000 __§Q__$ $ - -% $ $ $ k. Sa[Ees dema-nd :5laOO- ro©O 1. ~eit.i;,,,i ty Po or m. 1929 Renit. range' ~5 - 60 -.!lll!)$ $ n. 1935 Rent r,amge i2½ - ~% $ 0, 1938 'Rent ra,nge f 5 - 40 _'?()__% $ P. . Ren 1:al demand i35 - 40 $ q. Act il vity 3~ __ $ _____% ~ o. ooo Pr,iee range _ % $ $ % % $ % $ % JOO% ~ 100% -% $ Good a. · Home ·puFchaseLimited . . Limited b . Home bu1ldrng •· AVAILABILITY 0F M0RTGAGE FUNDS : s. CMRIFY!NG REMAAKS: 6, NAME liNB LOCATION __.S_co_t_i_a_ _ _ _ _ _ _ _~SEClllHTY GRADE 1.i!b.is is an area where there are f ound a few small homes on occasional streets . Those on Horstman Ro ad are newer and roore desl.rable. _c__ AREA NO. _3_ __ • NS FC:RM 8 10-1-37 1. A1REA DESCR I PT'I BN - SECU'RI TY 'M,AP OF_ _ _ __ AREA: Otl:A!RAC'Ji'ERrnSTlGS: a. Sch.tady, N. Y. Land rises from the river and 'becomes rolling. Descri p ti0n 0f Terrain. Country atmosphere and trolley traRs-portation. Lack "of everything except gas and electricity. c. IDetFimentai ]nfluenees. Stable 00 J?er€entag,e 0f lan<d imiJ!)'rosVe<d _ -_ $; e. Trend of desirability next 10-15 yrs. _ _ _ __ Shop 'ffl:>rkers a:nd 1200., up [NH:AB·iI'.CAN'Ii"S : white eollar a . ©eeupat ir0n _ _ _ _ _ __ ______ b. Estimated annual family income $ _ _ _ _ _ __ No 0 €. F@t>eign-1!>©,Fn families _ _ $; _____________ predominating; d. Negro _ _ ; _ _ % None A few f. Relief families _ _ _ _ _ _ _ _ _ _ _ _ __ e. l n,H 'Lif.Fa'tii0n @fi _ _ _ _ _ _ __ Yes static _ _ _ _ _ _ __ decreasing _ _ _ _ _ __ g . (i:>0J1>ulat ii!0n is ru n1ereasi!ng _ _ __ cd 1 2. '. 100 J?RJED@M[iNA[TNG TYPE OTHER TYPE _ _ _ Years _ _ _ Years ____ $ _____ $ ___$ _____$ OTHER Singles Frrame & brick 3© _ _ _ 'Yea1"s Fair 98 ----=-'' 815 iii • -n0me @wner:sh ip g. - ~---' y,r;.~ - - - - 5000....20, 00© h. il 929 !l?m-:ii€e rain-ge $~ - - - - 3Q00...l©, 000 1a35 $ _ __ -"""-=_ i . $_ _ _ __ 100% - ~ % $ _ _ _ __ 60 _ _$ 1100$ 60 3©Q0...10,00Q $ _ _~~----"- _ _ $ 3000-000© IL ~a.files <ilemam.(dl $---=--- -~ - $ _ _ _ __ 100$ _ $ $ ~ - - - - _ _ % $ _ _ _ __ ___$ _ _ _ _$ $ _ _ _ __ $ _ _ _ __ Poor m. iJ.9,,29 Rent Fain1g1e 19,3 5 n• R/e,n t ra,I11ge 1938 35- 70 $ - - -~ - ·22t·- 45 $ _ _ _ __ 25- - 00 ----1&!>% 65 $ _ _ _ __ 100% $ _ _ _ __ __$ $ _ _ _ _- __$ $ _ _ _ __ _ _ % $ _ _ _ __ --% $ _ _ _ __ 70 $ _ _ _ __ 25 - 40 @· Reniitlal <Jl!emand q. A:e t i vi t y $ _ _ __ $ _ _ _ _-=- ----% ----% _$ _ _ _ __ Fair Limited Limitod q, . AVAILPiBIUTY @F M0R'iL'G:AGE FUN'DS: s. J\}LAJH F'YlNG RE!NARK$ : a. ,fil@me puFchase____ b. Home building _ _ _ __ An older area containing a mixture of cottages and bungalows together with a few fair sized homes all having a country atzm sphere • .Uplrois ·is sli~tly more desirable than Rexford. Alplaus and Rexford 6. C 4 Nft:ME ft.:NIE> LQG~1'I®~ _ _ __ _ _ _ _ _ _ _ _ SECURITY GRADE _ _ _ AREA 'NO. _ __ I ~REA DESCRIPTION - SECURITY MAP Ofllchoo,ta,J,y, N,Y. ,. 2. 3. ~REA €riARAC]ERlST! €S : a. Desc:r.iption of 1lerra in. Low and Cat l and. b. Fav0rable rniiuenc~s . c. Eleurimental In:Huene::es . Age and obsol eaeence of structur es. d. Pereentage 0f land impr 0vedlOO %; yr s ~lowly e. Tr end of desi rabilit y next b. Es t amat ed annual family income $~1~0~ 00~----- 10 -1.s down INHAB4TANTS : a. 0c1;:u.pati0nWhite co llar c. F0re i gn-6orn 1am.illies2.E.._ 'li; -" I ,:ctal,,·,,,i,,an,,,__ _ _ _ _ _ pr edominating; d . e. ]nJiilt:r,ation o, g. iP0pulafti:i!0n is None !i.ner easing stat i c dec reas i ng PRED~MINAT]NG 80 a. 'Fy.pe Doubl es b, Const: !Ii'U€t i0n Frame C, Av.erag-e Age 60 d. Repair Fair e. Oecl!,painey 80 $ f. Home ownership 60 % g. C0nsrt :r.uc;: i1i ed pasti yr .None h. 1929 Prrice r ange & $ ~ HER TYPE ro bri ck Frame & bri ck Ye ars Years 90 $ $ 70 $ $ 60 Years Fair None $6000-10,000 ____NQ $ z;ooo..30. 000 10 0% $ $_ $3000--5000 fl'.l $ aooo..J. 5,000 __filL $ j. 1938 Pr.ice range $300(),...3)()() .m._$ SOQO...l5,.00Q __§Q__ % $ 1. A:<stivity , 1929 R:ent range n. 1935 Rent ram-g e o. 1938 R:enrt ramge @, Rental demand q. Ac:::ti:vi cy Yes Singles PdG: e r ange SaO.. es demand ; __ $ OTHER TYPE i. ] 935 k. Ne gr o.=N~o- Q,uit e a f w Re li ef f amili es f. BUILDINGS: m. ' l Attractive and convenient locati on. §QQ0-5000 $3000-4000 100% $ $ $ Poor Very p oor $16 - 6<J ___ioo% ti(_) - 65 $10 - ~ 2!L $ i s - 47k $~0 - 35 _§Q__% !IQ - 50 $10 - 25 lilQ - 35 p oor $ $ 60 % $ $ 65 % $ % 100% $ :Po or Home pu r chase Limi ted 9, AVAILABILITY 0~ M0R1@A6E Fl:JNDS : .'5. OLAR[FY.!!NG RE~iARKS : !i!hi s \'las on ce a fin e, · ol d r esident ial section cont aining many l argo nomes on e..,,;:tensive l ot s;· a number with stabl e s. Q,uite a few have boon co nvertod i nto boarding houses and sn:all apartment s . Others have been d GIIDli shecl. to make WEJQ' f or apartmont hous e•. Int or minglod. are srncl.ler homos a s well ns doubl es whi ch are of subs t ant i al ago and buil t closoly toget her. Tho Wa shingto n Bri dge i s no long:or u s ed. 6. NAME ~ND t(')C~TJON _ __,s·ch ,...en""""""Ct,und..,_ y _ _ _ _ _ _ _ SECURITX GRADE __cC ,c__ AREA NO• .e, 5 _ __ a. b . H0me building None • NS F€&M 8 lG-1-37 AR E_A DES1CRi PiJi I ON - SEC URI TY MAP OF 1• M~Ai G.tf~R1\CIJ?IDRrnT1C$: • Schonoctady, N. Y. a. Descrip't!i.@n of Terrain. Generally flat terrain. b. Favorabille lnflluenc(:S. Room for o.x:pansion. e. Deu·imentall lnflluences. Lack of all improvements save gas and olectricity. TNNA'BJTh'AlN~$: a:, Shep workers @~£U(E)ait.ru@n - - - - - - - - -- Stable e. Trend of desirability next 10-15 yrs. _ _ _ __ 0. Estimated annual family inc0me $ _ _ _ _ _ __ 1000 up F t ©'Fe1gDJ-b©Fn • , 25 Italians :1iamil:!Les _ _ %; - - - - - - ~ - - - predominating; d. 3. 8 _ _ _ __ 0:E _ _Sam __ e. ] nfHtra'llion g. f0pulation is inereasing 1 Slowly f. PREiil@MiCN1ATIN<:i Singles 0, @©nS1lFU1€itl!L©n e. .AweFage :A:ge Relief families ____Q,o.1. __to_a_f_ew_ _ _ _ _ __ decreasing _ _ _ _ _ __ BlJIU>irNGS : lOO% No Negro _ _ ; _ _ % OTHER static _ _ _ _ _ _ __ TYPE OTHER TYPE _ _ _ ¥ears _ _ _ Years Frame 20 = = =Yeairs GoCi>d 90 7,(:) hi. i. 25 C@nstru:ert.ee past y,r ··~ -- - 3f00-8©0(l) _!2.Q'.tj 1 ij~ if>Fi ce Fainge $ 1S35 R~i<::e ranig,e $ 20©0-5000 $a/hes <dlemania $_ _ __ _ 60 % $ _ _ __ $ 2©00-0000 k. _____% ____ $ = =~ - t g. _____% =-=~--% -~---$ 100% _ _$ $ _ _ _ __ $ GO $ _ _ % - - - - - _ _ % $ _ _ _ __ 2000-0000 $:.;___ _ _ __ 100% ____% ____% $ _ _ _ __ $ _ _ __ Fair m. n. 112, Rent range J:~35 :Rent vange 1 '.1.938 @. Renm rainge i. Rern1tail. tdemamd q. A€1:'llYit:y 22 - 00 !li---~----- ~ % 15· - 37½ 65 100% $ _ _ _ __ __$ $ = - - - - - _ _ $ $----=-1500__ $_ __ _70 _ % $ _ _ _ __ _ _ $ $ _ _ _ __ 15_- _ 35__ $_ $ _ _ _ __ $---~- $ _ _ _ __ $ _ _ _ __ 100% ----% ____ $ Fair A'VA'.IL.NIBIUTY OF M0RT@AGE Fl!JNl)JS: a. Home purchase .A.nple Ample b. Home building _ _ _ _ __ 5. ([';I!,Amffi.FflNG REL~RKS: 0. 'NAIME AN,ID tOOH'~©N ___R_o_t_ter_ · _dam _ _ _ _ _ _ _ _ SECUR1TY GRADE __ c_ fl.RE~ NO. _6_ __ A mli.xture of small, l, l½ and 2 story d'17e.1.lings of V::trying nge and of rather non-doscript design, which are built on fairly narrow lots. Hero ond. thero is found 100ro rocont d.ev-elopment, particularly along Fourth ano. Fifth .Avenues which nro slightly above tho average. Mu.ch of the constru..cti0n is cheaply built. • NS FCRH 8 10-1 -37 1. AREA DE SCRI PT ION - SE CURITY MA P Of _ _ _ __ AREA OHARACTERIT SmlCS: a. Fairly high ond quite fiat. Desc,ript i on 0f Terrain. N'oarness to places of employment. b. FavOr,able Inf l uenc~s. Sn:oke und noise from railrorul. c, Detr, imental [ nfluences. Stuble Trend o~ desirability next 10-15 yrs. _ _ _ __ 1200, up 85 d, 2. 3. Per,eentage o·f land improved _ _ $; e. Shop WOI:"kcrs I NH~-Bl:t:ANI S: a. 0Gcupa't: i0n,_ _ _ _ _ _'3f;------;N;;bl.ik Estimated annual family income $ _ _---:llo----- c. Fo~eign-b0rn fam-i}foh\- e. Infiltr~t~on o~ t. g. P.0pula1i on is incr,easing _ _ __ deGreasing _ _ _ _ _ __ -$; _ _ _ _ _ _ _ _ _ _ predominatin~<te nN~p-_; __ % Relief families _ _ _ _ _ _ _ _ __,,'es- - - - 75 BUI LDJoNGS: static _ _ _ _ _ _ _ __ 25 OTHER TYPE $ a. 'Dype 6. Gons tr,uetl:i! 0n G. Aver.age tge d. Re;pa i,r, e. (£1Gcrnpancy ~?"$_ ___ :I, f. Home 0wneFsh i p _,.,,,,,.._i None g. C0nst r,ucted ~ast yF . h. ilf!s PF ><e ,. 1938 j. 30 r,ange $ PFii::: e r-ange $ 'Price r,ang·e $ Ai:::rt:i!vi rt:y: m. li:~ $ Good gJent range $ Ren t r,amge $ Rent ,ra-nge $ p. Renta l! demand q. Act t vi t y $ 90 ~-,-5___ ____ $ ____ $ _____ $ None 1000::.12, . .000 $ 25)()-6()00 ~$ 2000:::6000 -00-i $ 3000-6000 2E.o0.-4o00 % $ $ Poor M lS - 3"/½ ~% $ 20 - 40 ----$ $ 2(} - 30 __% $ $ ]!'air w,0$ $ -----00-% $ 3000::..0000 300()...;BJOO 100% % - -% $ $ $ poo1 Vecy 22½ - 00 5' :ts.-32_½ 'el9% $ % 15 - 35 'ffl $ $ $ _ _$ $ % 15 ... 25 -Fair $ Linrl.tec Limited •· AVAILABILITY ©F M©RTGAGE FUNDS: a. s. CLMUFn NG REfiARKS: Home pur,chase b . Home building !fuis is an area containing a mixture of small ono and on0 and a holf story singles and tm st-')ry doubles of fnir age. Plots are :(airly narro 'r7 giving an air of slight cong estion; but there is on evident pride of 01m0rship~ Streets n.ro well shaded. Bellovu.e,S¢l.en.octady 6. $ 400t'-W , 000 27½ _ _ _ Years -S==Y,ears 85 1. o. 30 -,;;,_,,_Yiears Sa] es demantl 1938 Frame -Good k. n. :lrrrune c+ 7 NAME MNB HICATION _ _ _ _ _ _ _ _ _ _ _ _ _ SEC\JRlTl GR@E _ _ _ ~RE~ 110. _ __ NS FCRH 8 10-1-37 - 4ta<i y, N.Y. AREA DESCRIPTION - SECURITY MAP OF_ _ _ __ 1. AREA CtiARACTERISTICS: a. Descripti on of Terrain. Fairly :u.~ lnnd \7hich is slightly rolling. Convonion co of plo.cos of OIJploymcnt. b. Favorable lnfluenc~ s. c. Detrimen tal Influence s. d. Percentag e of land improved __ $; e. Trend of desirabil ity next INHABITANTS: Shop workers a. Occupation ____ __...,...._ _ _ ;. b. 1000 up Estimated annual family incom e$--... .----- !lone, s.1vo £4;0 of dwall ings. 85 2, 15 e. e. g. 3. b. Construct ion d. Repair Occupancy ~rune Frrune 3J 00 -::------,;--Years Good -.::---..--Years Good 85 90 - - - - -$ Construct ed wast yr. h. fg~ q. . 1938 Price range Price range $ Price range $ k. Sales demand 1. Activity m. i~~g Rent None n. o. 8000-12, 000 =30=00-==-...,,sooo==--- $ 30--0-o-60-.,,.-0-0-- -60-% $ 300---=-:-:0-,----:,00"'"00.,,..,,...- _ _$ -40'.:""00-::-:--6000-:--~ $.---=-=-::--- ==- $·-p,--oor , ------ 22! - $25 - 40 -ro-1 $15 - 30 Rent range $25 .... &> _ _ % $15 - 25 s. CLARI FYI NG RE~iARKS: 01:> $ ..,,.E,,-,a:i:=:r AVAILABILITY OF MORTGAGE FUNDS: 100$ $ ____ $ ____$ $ _ _ _ __ 45 ~- 938 Rent range Activity $ _ _ _ __ 00 _ _ % $ _ _ _ __ '...,vr=e=ry=-::p:-=o-::,-o=r- $ q. __$ $ --100$ Rental demand ro 4000-0000 $22½ - 31½ p. 100% -::-4000-6000=::--:==;i;-- 35 - 60 range _____ $ -=----$ 00..,""0...,.0.::.-..-1,...o-,.o""oc..,.J.- $ _____ $ 75 _____$ Home ownership g. j. OTHER TYPE - - - Years -==,----- % 75 None i. ~JW~ 25 TYPE ._ _ % 9 Type Average Age f. No 75 ~~i~ATI NG _ _ % c. e. .L tru.ian yrs. _ _ _ __ Forei!gn-l!>orn families __ $; _ _ _ _ _ _ _ _ _ _ predomin ating; d. Negro _ _ ; __ % Some A feTT Infiltrati on of - - - - - - - f. Relief famili es----- --......- ::-::--- ---Yes Populatio n is increasin g _ _ __ decreasin g _ _ _ _ _ __ static _ _ _ _ _ _ __ BUILDINGS: a. Stablo 10-15 l 15-2'7-2· 6500% $ _ _ _ __ 100% '70 $ $ _ _ _ __ ____ $ _ _$ =---- $.E'i:dr a. Home purchase _ _ __ $ _ _ __ _ ----% $ _ _ _ __ Limitod Limited b . Home building _ _ _ _ __ !!!his is a section in ,1hich dTTellings . for the nost part, a.re two story ruid built fairly closoly together. !!!hose along tho main streets aro roostly two family ,7horoo..s thoso along tho side streets aro singles. Bollovue.schtnectady Of- 8 6. NAME AND LOCATION _ _ _ _ _ _ _ _ _ _ _ _ SECURITY GRADE _ _ _ AREA NO. _ __ ' • NS FCRM 8 10-1-37 1. AREA DESCRIPTION - SECURITY MAP OF AREA Crl~RA8TER!SfJGS: N. Y• a. Descr,iption of ]errain. Land risos steeply to the south where it bocomes high and flat. b. Favorable lnfluenc>,;s. Fairly conveniently loco.tad. c. Detorimental Influences. General age Of dwellings. d. 95 !Per.Gentage of, liand iimproved _ _ $; . e. Slowly Trend of desirability next 10-15 yrs.~Ba------ b. 3. sAcctady, Estimated annual family income $ e. Itolian For,eign-bern families~$; _ _ _ _ _ _ _ _ _ _ predominating; d. e. Inf iltration of __ N_o_n_e_ _ _ __ f. g. Populat'ion ,is increas•i ng_~ - - decreasing _ _ _ _ _ __ Negro _ No _ ; __ % 1 Relief families _ __:~_t_e_a_n_,_ m_il_er _ _ _ _ _ __ BUILDINGS: PREDOMINA~[NG ~ % 1000, up OTHER TYPE Doubles Singles Framo Framo 35 _ ~ - -Years 35 Fair Fair 30 static _ _Yos _ _ _ _ __ % OTHER TYPE a:. Type 0. Const ruction c. A-v;e.r.age _/i.ge d. Repair, e. 0ecupa:ncy, _9_0_- f. Home 0wner,sh i p _::50 ~ ~-% g. None C0ns urucued past yr,. _ _ _ __ h• n r l'ce · 19~ l,"• range $ 6000,-10,000 ~,nn•• ,, 1. :1. 935 Ft'!i.ee range j. 1938 'Pmi.ce range k,_. Sales demand !I. . Aetiv.i.t y m. 11 929 Rent r.ange 22¼ ... 35 $_""-- - --1.0ll% $ 22½ - 45 n. 1935 Rent Fa:nge $ 15-22½ __s:;_% $ 15 - 27½ __6_5 % $ _ _ _ __ :J.938 Rent range $ 15 - 25 ~% $ 15 - 30 70 % $ _ _ _ __ __ p. Renia:l demand q. A!e:civity; 90 -% - - -- % _____ % _,;60~_ _ % _____ % Nono $ 2E00-7000 100% $ 3:X)()-OOOO 00 % $ 15'.JC>-4000 ~% $ _ _ _ __ $ 3000-IDOO 00 % $ 1E00-4000 ~% $ _ _ _ __ $ 3000,.4000 $ 15'.J0-4000 $ 15 - 25 $ 15 - 25 5. CL~RIF¥ING REfiARKS: 100% ____% $ _ _ _ __ 100$ $, _ _ _ __ 100% ____ % ----% $ _ _ _ __ Fair Fair AV~ l1AB ]L]11Y OF MORTGAGE FUNDS: $ _ _ _ __ Fair :Al:mst none ~- 6. NAME AND t0CA1'!0N _ _ _ Years Years a. Home purchase Limited b. Home building Limitod In this aroa houaos are a mixture of one and two story singles and two story doublos built ITT.th little or no room betueen. Mt, Plcasont, Schenectady SECURITY GRADE __ o_ AREA NO. _ 9_ __ • NS FOOM 8 J ©-1-37 1, 2, 3, AREA DESCRIPTION - SECURITY AREA CriARA8TERLSTI8S: MAP OF Sch,ectady, N.Y, a. Deser- i pti 0n o] Terrain. Terrain is high and ~lightly rolling.• b. Favor,able influene1:-s. Very convenient. c. De urimenta1 Inf Quences. Very old. d. Pen:en tage of !band improved 2 $; e. $table Trend of desirability next 10-15 yrs. _ _ _ __ b. Estimated annual family income$ 1200, up J NH~BITANJS: a. Skilled mechsll1cs Occupation and shop workers €. F@red. gn-boFn fam:i.lies~ $; _ _ _ _ _I_t_al_ian_s_ _ predominating; d. e. In~ilt ration of_:N~o~n=•' - -- - - fl. g. P0pulati0n Qs increasing _ _ __ decreasing _ _ _ _ _ __ BUILDINGS: PREDOMI NATING 80 Negro _ _ll_o; _ _ % Relief families ____So_me _ _ _ _ _ _ _ _ __ OTHER TrPE OTHER TYPE $ stat ic ___Y_e_s_ _ _ __ Doubles Sin&J.es i\-v e,r,age ,ft;_ge 5- -Years ,a 3cc 35 d. Repai r Good Good e. Oecoupancy 90_ _ _ _ $ _ 90 _____ % _____ $ if. IH ome 0wner,sfl i•p 85 - -~ _as- _ _ $ ____ $ g. €onSt Fu€t ed pas t yr. h• !1 929 a:. 'Jly.pe O. Cons ur,uetion € . n , Er.ice range -$ None None $ 8000-12,000 4000-6000 i. i 935prQe e range $ j. U. 938Por10e range $ 4000-6000 lL SaJles demand l°"O a ----=-=!J 50 $ 6000-10,QOO ~$ $ _ _ _ __ ~$ $ 3500-6000 ~% $ _ _ _ __ $ 3500-5000 $ 4000-5000 $ 35-60 n, I 935R.en,t r~nge 65_ $ _ $ o. l93BRen u range _'.?Q_ % $ 25-40 p. 'Rental!' demand q. :A:Got. iv.ity ____$ $ _ _ _ __ 100$ $ _ _ _ __ 65 $ $ _ _ _ __ _'.?Q_$ $ _ _ _ __ ----% ----% $ _ _ _ __ ll'air Fair ~ - AVA ILABILIIT OF MORTGAGE FUNDS: ~7½ $ 25-35 $ 20,-30 100% Poor -=-1<l!)$ $ 20-3:> $ _ _ _ __ $ 3500-6000 Rent range 11 929 100$ $ .A,l.mo st none m. _ _ _ Years Years a. Home purchase Limited b. Home building Limited ~is is an area devoted almost exclusively to two story two family dwellings. There is little variety in archi tecture 1 but a fair display of pride of ownership. 5- CLAR IFYI NG REliARKS: •· NAME XN~ tQCM'l 0N_ _~S=cll=en=•c~t=ady~- - ---~SECURITY GRkDE _o,. _ _ kREk NO. _l_O_ _ NS FffiM 8 10-1-37 ,. 2, 3. • • AREA DESCRIPTION - SECURITY HAP OF Schenectady, lf. r. AREA €tll\RA8TERlSncs: a. Description 0f Ter.rain. High and fai rly flat. b. Favorable In.f iuences. Convenience of location • c. Detrimental In.Uuences. .Age and deterioration. d. Pe,r.cen,tage o:fl ]and improved 10© $; INHtE]TkNTS: BJ . Oeoup8!t:i 0 n __Sho_~p_wc_r_k_er_s_ __ e. Trend of desirability next 10-15 yrs. Slowly b. Est:imated annual family income $ 1000, up down c. Fo:r.eilgn-born :t;amil!ies~ ii; _ _..,:I=-t=al=i=""="=----Predominating; d. e. ii! nfi1 tra tion of _ __,N::o::n::•'-a----- f. g. f.0pulat]0n is incr.easing~--- ~ecreasing _ _ _ _ _ __ BN!tBINGS: · !lREDOMINATING Relief families ---'~=t:.:•:....::a...:ll::'='m=h::er::__ _ _ __ 85 $ 12 O:THER TYPE static _ _...:Y:..:•::•:___ _ __ OTHER TYPE $ a. Ty.pe Doublea Singles Triples b. C0nstrue:ti 40n Frame & brick Frame & brlclc Frame & brick c. Aver.age :Age d. Repair Fair e. 0ceupani:::;y ., 90, . . . - ~_$ _9:..:oc____ $ 90 _ _ _ _ $ _ r. H0me 0wnersliip 55 75_ _ _ $ _ 90 ____ $ g. ConstFuGted past yr. None h. !1 929 i!?dce ,range $ 400():...lO.OOO ---1QQ$ $ 35)()-7fA)O 100$ ii . 1935 Pr'1:0e range $ 2~0000 _i&_$ $ 2000--4000 _§Q_j j• 19 38 Pi;i€e range $ 2G00-!:000 ~% $ 2000-4000 k. SalJ..es dema11d $ 200D-4000 I. AE:t!Lv.Hy m. 1929 Rent r,ange $ l.B - 45 ~$ $22¼--35 n. 1935 Ren,t range $ 12 - 27! ___§_§_,; $ o. i.938 R:enrt ra:nge $12 - 30 p. Rental demand gJ, 11.enivity Fair Fair - $ None None 50 $ $ 200(}..4()()() $ 6000-12,000 1a-22½ 100$ $ 3000-5000 _ _5'.) ___ $ $ 3Q00..6000 __ 00 __% $ 3000-4000 .Alm) st Poor Vecy poor 3 40~_ _ Years _40~_Years ~ -- ; £__% Negro Yes 100% 65 $ _'.!2_$ none $~1~8-=3~5_ __ _ _-Luu% $12-22½ $.:12-,=2,c5_ _ 70 - - , • -= $ J.5"25 $l.2-25 Fair q. AVA!tABrn]"rr OF MOR?GA©E FUNDS: 5. ~LARIFHNG RENAR'KS: 6. NAME AND L0CA1'!0N_~Sch"' . =en=•="~ta~d,=y_ _ _ _ _ _ _ SECURITY GRkDE a. Home purchase Limited b. Home buildingl!~l=ro~•t~ed=--- !!!his is a fairly old area in which doubles predominate but in which are also included a number of singles and a few triples. All are built quite closely together and evidence little pride of ownership. The1·e were fewer foreclosures in this section than in any other. e-, ~REA NQ.l=l_ __ NS F<lRM 8 1 ©-1-37 1• A,R U Df SCR,T I ON - SECURITY MAP OF A1REA: <Ct1ARACTERI$'L']CS: sc1il.ctady, a. Oescripti0n of Terrain. Land ri se3 to the southeast. b. Fa¥0rable lnfluenci s. Convenience of location. e. Detriment al ] 1nflmences. .Age and a.bsolescence of dwellings. N.Y. Slowly Trend 0f desirability next 10-15 yrs._00 _,,,m--- <!l . 1000, up b. Estimated annual family income $ _ _ _ _ _ __ . Italians r-0Fei!• gni- b@rn f ain.i,. 1 tes _25 _ ,an ; _ _ _ _ _ _ _ _ _ _ predominating; d. 1l' e. [,n1'.fiiM.rat ion ©if -None ------- FREID@MlN·ATING q.. Relief families ---=Qui~t_e_a_f_aw_ _ _ _ _ _ _ __ f. <!lecreasing _ _ _ _ _ __ g. 9o OTHER TYPE $ Singles F:rame & brick Frame & brick 'li'Mpe b. ©0nstru<!:tili!0n e. A\v1eva:ge ~g,e a. Repaiir e. ®€€ U~ami:~ - - -==' if. H'@me 0wnef'sMp, _6_5_____ g. e0nrst F1ucte0 1:> ast yr ·=N =o=n=e-=---- - ih1. 1,9129 FFiGe Fan.ge ii. 1 ~ 35 F'ril<re va:nig,e $ 300(;),..55(;)0 j. 1 ~ 38 Fti<!: e 40 =4.-0 = --¥eaFs Faini e k. $al:es cilema:n<!l i. ~Ci\\1!¥Ji. ty, m. 1,9 29 ®'e:rMi vang,e n, . ©. Fai r Fair 85 90 --=--' $ 7000-11,000 - - ~ Years 75 % % $ % None ~00$ ro $ 0000-8&>0 100% % $ % $ 3re©-5500 $ 3000-§000 60 % $ % $ 3500-4000 $ 3000-5000 $ Poor A).IIXi) st non.a $ 2~ - 40 $ le - 27½ ~% $ 18 - 27½ 60 19381 Rent r a:nge $ 18 - 30 75_ $ _ r.&c tiv!hy REKA:RJKS : $20-30 $ 18 - 25 $ 20 - 30 Peor Fair AIV1']tN13LU'!I!'¥ 0F MQRT@k(rE FUN:D$: cum] F:Y, I NG 100% 60 1~3~ - •en t 1cainge <ii! . $ % $ 3000-5000 ----1l0.0% IRen t ail deman<!l OTHER TYPE ¥ears $ 25 - 40 p. static _Yes _ _ _ _ _ __ 10 % ___ Daubll es a. Negro _ 'No_ ; _ _ % a. H0me J.i>UFchase Limited $ JOO% % $ % 75 % $ % 200% $ Limited b. Home building _ _ _ _ __ A seetien of oonsidera'ble age, co~osed alnx:>st entirely of two faxnli.ly struct'ltres with little space between. Pride of ewnership is quite spotty. Sehenectady O 0,. N~M:E ~NID LWATill.ON _---'--_ _ _ _ _ _ _ _ _ __ SEC'URITY GRADE ___ AREA NO. 12 _ __ NS FCRH 8 11.0-1-37 1. 2. 3. • AREA DESCRIPTION - SECURITY MAP OF AREA CriARACffiERIST'ICS: • Scllmeotad¥, N.Y. a. IDescFiption ofi '.l'errain. Rolling land. b. Favogable Enfiluenees. Convenient location, e. Detriment~! Ini! ~uences. Age o.f structures al1d gradual doterioration of neighborhood. d. ll?ercen tage o1 land improved~$; FN!f~BIT~N]S: e. Trend of desirability next 10-15 yrs. b. Est~mated annual family income$ lOOO, ,:q> . White collar and a. Cilecupati ion shop workors e. F0r.e ii gn .....b0Fn families__oo_$; -~P~o~l~i~sh~_ _ _ _ _ _ predominating; d. e. Inf i l t Fation of ~-P~o~l~i~·shlill._ _ __ Jl. g. Populat ion is ineTeasing _ _ __ decFeasing _ _ _ _ _ __ SJ.owly down Negro No ; __ % Relief families --~==.t,ce,__,a'-'f_,ewcc.__ _ _ _ _ _ __ static _ _,Y_,•~•:..______ BUI LD1NGS: OTHER TYPE PREDOMINATING ~ % a. t ype Sing) OS Tinnbl es b. C0nst !I'uetdJ0n Frame & brick Frame & brick c. 11.ver.age /i:ge ,,a,,5_ _ ¥ears 25 d. Repair Fair Fair e. 0e cupanc;y ""90e...___ f. Home 0wner,sh ~p g. Constructed past yr. h. 1929 FF'.l!ee ~an.ge i. l935Friee range $ 4Qoo...8000 j . l93BP,r ice r&nge $ 4000...13000 __$ .s,80"--_ _ _ % Yea-rs _ _ _ Years --"'85,___ _ $ _____ $ ..-,6=.5_ _ _ % _____ % None None $ 6000.:.14,000 ______!@_Q$ $ roo0-12.ooo ____% $ 2500::6000 ~% $ _ _ _ __ ____% _J;Q_% $ _ _ _ _ __ L 11:e tiv i ty m. 'l 9i29 Rent ,range n. l935Ren•t range $ o. :t938Rent range $ 25 - ED --'llL% $ 12 - 40 $ 25 - 40 $ Ren ta i' demand q. Activity Very pool? Poor 22¼- 100% $ _ _ __ 4000--6000 $ 35,.. $_ _ _ _ __ ___l&.% Sales demand p. 100$ 60 % $ 2000-,6000 k. $ OTHER TYPE 40 75 45 .ad..Qj)$ $ 17:½ - 60 _filL$ $ 12 - 37½ 12 - 35 :IOO'Ji $ 65 % $ _1Q__$ $ ]QQ't % % $ :eccr: Fa:ir 4. AVA ILkB~L][Y OF MORTGAGE FUNDS: 5. CLAH IH ING REl,ARKS: 6. NAME AN ~ LOCKTI ON _ ___ilS,.,ch.se,,,snc,,,c,_,t,.a¢.,y_ _ _ _ _ _ SECUR<TY GRADE _~c~ AREA NO • ....:1.::,3:..__ a. Home purchase Limited b. Home building Limited This once was an area of large, attractive singles many of whicb. 1 in the courso of time, have boon converted into rooming, apartment and fraternity houses. D::lublos were built at a later poriod. Tllough dwollings arc built fair1.y closely together, there is not too much congestion. NS FffiM 8 10-1-37 1, ._ • Satlonccta;Jy, N. Y. AREA D[SCRIPTIO'H - SECURITY HAP OF ARE~ 8ri~RA8[ERISXiCS: ro. 0eser.iption of Ter.rain. 13. Favorable Influences. Land slopes toward the river. Convenient to places of employment. c. Detrimen~ai lntluenees. General oharaetcr of neighborhood,. cl. 2, 3, Pereentage o:t; land improved~$; e. Trend of desirability next 10-15 yrs._.,;Sl=occ"cclc.:__ doun b. Estimated annual family income $ INH~BIT~NXS: •• •• 0ee::up~.rtion e. L,n:lliJH ration of g. P.0pu]a'tii0n is Shop workers 50 %; ~ --'I"t"'al""'i,,an,,_,,s_ _ _ _ predominating; d. Foreilgn-b0rn ;fiam,i :hies Nona f. Negro _ _,N'-"o; _ _ $ Reiief families _ _ _.,;Q;"ui""-'t'-'o'--"a'--"f-"e"u_ _ _ _ _ __ decreasing _ _ _ _ _ __ ineFeas6.ng lOCX), up static _ _~Y~o~•~---- ~UIIJD!NGS: !'R,EDOMilN~TliNG '70 $ OTHER TYPE 27 OTHER TYPE _3~-- $ a. l'yiIJe Doubles ,. Singles G::onst r,uct i0n Frame Framo C, :Ave,r,-age Age 35 d. Repair, Fair e. 0eCU}IlaJll€y 90 $ ...,oo,--~% __,,,90"---___ $ f. Home owneorsh i p 40 $ __,,,60"---_ _ $ _8~5~_ _ _ $ g. Constr.uct:ed past h. 1929 i. 1'.935 Priee rang:e j' l!:138 Ih·.iee r;ange k. Saies dernaind 1, :A:tc: ti V d. t Y, m. 1929 Remt: :range $ n. :1.935 Rent range o. ·1 S:38 Pdoe range Renltl r,a..nge p. Ren ta r demand q, Aetiv1ty yr. Yea,:rs Frame __,,3,c5__ Years ...,,3~5~_Yea:rs Fair. Fair Nono Nono ----1Qll% $ 6000--10.000 $ 4QQQ....5fAQ _fil$ $ 3500,,60QQ ----60.$ $~ $ 4000-5000 ___fil$ $ 3500,,GOQO ----60.% $ $ 8000-11,000 Nona $ $ - 45 $ 35 - 65 $ 15 - 27?; _QQ____$ $ $ 15 ... 30 _2/J_$ $ 25 - 45 $ Eaj,::i:: i+, AVAitA'B IL1TI 0F M0R1lGAGE FUNDS: 5. CtAR!F?ING ~E!,ARKS: 100% $ 30 - 35 65$ $ 18 --2SJ.$ $ 20 - 25 $ 20 - 25 22½ - 42! 25 - 35 :fajz: a. Home purehase 4000,.6000 100% _50...,__ _ $ -~00~__ % None _100$ $ 15 - 25 $ 8000-12,000 $ _ _ _ _ __ 3600-0000 Poor None 22 100% - 22½ 10oi 65 % '70 % Eai:t: "L1mitoQ.: b. Home building Limited .An old section containing a mixture of one, two and three frunil-y structures built closely together. Architectura is anything but pleasing nnd pride of 0'\7l'lership ia generally absont.- !fu0ro is scattered business along Van Vrank:en Ave. 6. NAME NNB LOCM'ION ____.,5.,ch.,e.,m"'o"-ct"'awd-,.y_ _ _ _ _ _ SECURITY GRADE ·C AREA NO, ~1=4_ _ ,. NS F CBM 8 1 0-1 -37 • Scheoeatndv, N. r. AREA DESCRIP r lOH - SECURl fY. NAP OF I . 2. 3· AREA CH~RAC~ER!S[ics: a . Dese ript i on 0f Der.r ain. Land slop os t oward tho r i ver. b. Favorable Lnfiuenc~s . None. c. Detrimental ln~luene es. I nconv eni ently located ond lacking inprovcmonts. d. Per,cen ~age 0f land impi;oved____aQ_ $; Tr e nd of desirabi li t y next 10- 15 yrs. qu,es-- t ionabl o 1-NHABITkNTS: a. Oec upa H on,_ _ _i$hwnei;pu,woIU: r k!Ca arr.ss___ <;: . Foreign-b0rn fam:i!lies----25%; e. 1:nfi l torartdion 0f g. Populat i on is ilne Feasing b. Estimated annual f am ily i ncome $_~aoa~~1ipq,..._ __ :C t al iDn s & Pal ish f. Same predomi nating; d. 'Reli ef families Negro Na ; _ _ % ~n1te n m1mber static _ _y,,.___ _ _ _ __ dec11easing BUI LDI NGS: PREDOMfN·ATING _m,_% OTHER TYl'E -~10~ % a. T;y,pe Sh1 g] es J):n1hl e Iii b. C0nst r;uc1:i0n jl-:rame i rQIII.O c. Average · tge 25 d. Repair, :Fai r e. Oecupa,ncy 95 % 85 % Heme ownership ?Q % 70 % ; . Year s 25 Fair C0ns -Gr.uc ti ed past yo. h. ] 929 Pri! oe range $ 2 OOM 0 , ooa ___!QQ$ $ 6000-J a,ooo i . 19:-:;5 Pd c, e r,amge $ l 4'Xl 5000 --©-% J • 1938 Fr i ce r.ange $ ; 200-a000 k. Sa!les clemama $ 1. :A:e t i vit y. m. 1929 Ren 1l ,range 0. ;.a:i,13 p. Rentai demand ~- '.6. et:::ivtt:y Ren t: ra.nge None _____ % ____ % Non e 100% $ 100% $ 2000."!iOOO -m.-% $ i _a;_% $ Z000-5500 -m.-% $ % $ $ »on e None m ---=100% $ 2 5 - 40 $ 12 ~ 27½ _.ss__i $ J5 - $ ) 2 - 30 __£()._% $ ) 5 - 25 $ ] 5 - 20 $ 20 ' OTHER TYPE _ _ _ Years Y.ear s ~- n . J.935 IRen t range •· e. $ ] 2.:.' 25 $ 55 $ $ % $ % ----SO-% 100% $ pool' J!gj,1,' AMA!tABIL!I¥ 0F MOR[ GA GE FUNDS: 22! 1 00$ a. H0me pu,rc hasPi ri mi t e d b . Home building Lim:i ted 5 . . CMR!F¥ING RE!iARKS : .A. spar s ely sottl ed section cont aining a mixture of shacks and small houses with an occas ional two family dwelling. Many streets are not cut through al t hough t hey are so shown on the map. 6, NAME AN 0 DOC~1'!0'N _ __ _,., sch .u.eons.e..cat"'aa. . , y ~ - - - - - SECURITY GRADE _ c-..,___ AREA NO. ~l-5~- .NS FCRM 8 :10-1-37 1, AREA Ctl/JlA8TERISTICS: a. 0ese:Fiption 0f Terrain. d. 2. 3, • AREA DESCRfrlDH - SECURITY MAP OF Schenectady, N° Y. ,Slightly rolling ground. Favorable Fnfluenc~s. Country land with room for expansion. DetFimen,tal lnH.uences. Distance from center cf city and places of eaq:iloyment as well as lack of all improvements save gas and eleetricit: PeFcen,t age of. l!and im_pr.oved__oo_ $; I NH~B4T~NTS: a. Occupation Factory workers e. Trend of desirability next 10-15 yrs. Stable b. Estimated annual family intome $ 1000 & up -~Ic,t.,al.,,_,i,.an=•~---- c; . F0Feign-b0rn :fiam:i!IH es-----2.6$; e. [nfiltrati0n o:fi_-~Sa=mwe'----- f. g. P0pu]ati0n is i,nc;reasing Slowly decreasing _ _ _ _ _ __ a, Type S:ingJ es b, \I:onst ru€.tll0n i'reme •• Average Age 20 d. Re~a'lF Good e. 0c;c;upaney 90 % L Heme 0wnership 70 $ g' <:: : onsti r,;ucted pas t y,r. h. <929 P:riGe range $ 40QCWIDOO >' ;i93#rice range $ 2000 41l00 j' S.'.Ma'Price range $ aQ00-4000 n. ActiMiitiy m. 1929 Rent: ,range m, ".t9 3~ent r,a,nge $ l5 - 27½ o. J.:'.l~ent range $ 15-30 q, Ae:t±v i ty _____f0_$ OTHER TYPE _ _ _ Years _ _ _ Years _ ___ $ _____ $ ____ $ _____ $ 100$ $ :0 % $ $ $_ $ 2000-,4000 Sa]es demaind !Rental demand ___!QQ$ static _ _ _ _ _ _ _ __ OTHER TYPE ___ $ fears k. p. 100 Negro~ ; _ _ % Relie.f :families ---~A,.__,f,_,ew"'---------- BUILDINGS: !'RED©MJNATING predominating; d. $______ 100$ _ _ % $ _ _ __ ____% _ _ % $, _ _ _ __ ____% $ _ _ __ _ __ Ji'a.ir; $ 22 - 45 $ _ _ __ 100$ ..ML% $ _ _ __ __$ $ _ _ __ ____ $ _ _ ,% $ _ _ __ ----% $ _ _ __ $ 15 - 25 $, _ _ _ _ __ ____ioo$ $ _ _ _ _ __ F~:lr •· AVAJLAB111T¥ OF MOR] G~GE FUNDS: 5, 8LARIFYING RE!1'11RKS: a. Home purchase Limited Limited b. Home building~~----'----- ~ s is a sparsely settled section containing small one andi one and a half story bungalows. These are located on plots of proportionate sizes. Pride of ownership is fairly well displayed. 6. 16 NAME ANB LOCAl'!ON _ _ _ ___,,,Sc,;.h.,en"'e"c"'ta'"a,,_,yc.__ _ _ _ SE~URITY GRADE __C_ AREA NO. ___:___ _ i. 2. 3· • • NS FGRM 8 1 0- 1-3'7 AREA DESCRIP.TIO·H - SECURITY HAP OF AREA CH1RACTER!STI€S: Sc.henec:tad.Y, lL y. a. ®esctdf) t i on of Terrain. Land is somewhat rolling and high. b. Favor,able [nf]uenees. Generally attractive. e. ~etrimental lnfiluences. d. .fercentage 0:f iland improved___1Q_ $; Lacks all improvements save gas and electricity. Trend of desirability next b. Estimated annual family income $_----=1~0~00,,_,_,_up"'--- INH~BI1tNTS: 10-15 a. ©ecupatien,_~S~ho~p~wo=r~k~er=•~--- c. For,etgn-b0Fn :liam.d.lies_____Q_ 1,; _ _ _ _ _I,.t,eal""-'i"an""a,__ predominating; d. e. 1 n:lii i t r-a t,d. on of g. Bopula-tii.@n ;s inereasing None f. §lowly; yrs. Stable e. Negro~; _ _ % Q;uite a number Relief families static decreasing BUILDINGS: PRE00MINATING 100$ OTHER TYPE a. 'llype Sing) es b. €0nstructi.i! on F'rame c. A:ve r,age tge 15 d. Repai.!oc- r.nod e. Oceupan€y. f. H@me ownersfiiip g. t:0nstruCit,ed past ,r. h. 1929 iPr ii.Ge r,ange $ 400G-8000 __!QQ$ $ ,. l !-'i.~ 5 Firiee r;ange $ 2~00 4000 00% j. K'38 Pr.ice r,ange $ 2000,;..40(;)0 __fil$ 'tears Years % $ $ % $ $ Y.ears 75 $ 20Q0-,4000 k. Sales dema,nd L Eetivity m. :1 929 Rent r,ange n. l935 Rent range $ 15 - 0 . :,3:~s Ren u $ 15 - 25 OTHER TYPE $ 100$ $ $ _ _$ $ % $ - -% $ % $ $ 100$ Boor ra:nge p. Renta:1 demand q. Ac tivity $ 22 - 35 22.½ $ 15 - 20 ____ll0% $ _____oQ__$ $ % $ % ---2!J_% $ % $ % $ $ 100$ $ 100% Rajr <· ~V~IL~Il l tln OF MORTGAGE FUNDS: a. Home purchase Limited b. Home building Limitat s. 8-LAJUl'YI NG R0fiARKS: 6. NAME ~NB LIJC~TION - ------'C"'arm®""""'"--"an"'d'-"-SC!s,'1"en"""ec._,t,.a,d;,..~, _ _ sECURlTY GRADE _ _,,c_ AREA No.1~7_ __ An ai·ea generally sparsely developed but roore built up in the south. Dwell in.gs are of the bungalow and slightly :larger tYPe cottage with fair space between. Section has a country atmosp.,."l.ore. Carman has its own small shopping center.· NS FCR,M 8 10-1-37 lL • 2. • A1R:EA D•ES,CRIPlilOH - SECURITY t,f,Ap OF AMA\ OlilruMC'I1FJR!$-':L''.f©S: a. Des<,;dptd.on 0:€ '.FeFrain. • Scbenectady:, N. Y. Generally flat land. 0. Fav0ra01!e linHuenc(s. Fairly con~enisnt. c. DetFimentai lnfluences. .Along main traffic artery•. a. PeFcenitlag.e @f l.an<!l impF@v:e<L....J.00$; e. TFend of desirability next 10-15 yrs. Slowly down INH~-13[iANrrs : Wb.u..J..._·t.._.e::;__,;co...,·... Jl...,ar.....__ _~ ; a:. ©0Gupatiion_......... b. Estimated annual family income$ e. F@reign-fuorn .f.amili!es__fi_ %; _ _....I..,.t""'al.i...,·an......__ _ _ _ predominating; d. f. g. Fopula'ti0n is inereasinig _ _ __ <!leereasing _ _ _ _ _ __ OO'H1ER TYPE ~y41·e 10 . ©@n,s it1 FU€ 1i i 0n e. .A:~etra,ge J\tg,e 35 d. Rerpailai' Fair e. ®GE Upan:e\y, ""'S...., · ©..........__.......,----=---% :tr. M©llle 0wne,r shill> -'Z~5..........-,,-:-----,,- % g. <C@nsttruc\tl e<d: JPast h. l<s) ~ r i. 1~35. r~i:ee Fall!g:e $ 3000 0000 ~I . J.0~B Frti!ee ran:g,e $ 3@0f>-s000 ¼. $ales <stemam1a $ 3000-4000 1. :A'.€ t i,w, Ji! tc.:W m. l~2's) $ _ _ _ _ _ _$ _,8..,.5..._ . ___ $ _____ $ Nena None GOQO-J2,000 4Q00...8000 100$ ----m.% $ 250Q-&l00 60 $ ______a:).$ $ 2500--S)QQ f,(} _1100% $ $ $ _ _ _ __ $ _ _ _ __ % $ _ _ _ __ 100% ____% _ _ _ _% $ _ _ _ __ 2600-4000 Paor $ 35-€55 100% ---100% n. l~::Z5R'eill1l ranige $ 18-32,½ ~% $ 2 ~ G). ~-~; '-!9 Ren 1l Fan,ge $ 20--35 7{!) % $ 25-45 2()...35 $ 25-40 Aletii.vi'.iJt~ . OTHER TYPE o...,___ _ i 27½,-00 q,. $ ..... 9.u. - Yer;y: p;0or $ ; __% Yes _ _ _ Years $ Rental d'emand 10 static ¥ears Renrn Fange IP . Mo Sing.1 es J;)onbJ es a. 'i?a!'ice Fange Negro Relief families _ ___.,A.-....;;;f=ew""---------- 3. i!BU[LDT'NGS : MF. 1200, up l l $ _ _ _ __ 100% 65 % $ _ _ _ __ ----% % $ _ _ _ __ ----% 70 $ _ _ _ __ Fair Fair Limtted 4. :itvAILABIUT~ OF M@RT@AGE FNND$: 5. 611,AUFY~N6 RE'Nr.AA'K$ : 6. NftiME ft;,N,D LOCATrnGN _ _ ___..S=ch=®=oe=t.,,.,ad;=y_ _ _ _ _ _ SECURITY GRADE __C_ AREA NO. _l_S_ _ a. Home purchase b. Home building Limited !i!his section is aJ.IIX>st entirely gi van over to two story twe family dwellings built quite closel y together. A.rchiteeture is nei th.er varied nor overl y pleasing. All of State and .Albany Streets is unrestricted and tends toward bu.sinoss. NS FCRH 8 10-1-37 AREA CtlARACTERISTICS: a. Descripti on of Terrain. ,. • AREA DESCRIPTION• SECURITY MAP OF Slig..½.tly rolling land. b. Favorable lnfluenc~ s. Not unattract ive. c. Detrimen tal Influence s. Distance from city and places of employrae nt. d. Percentag e of land improved____A1i $; INHABITANTS: i.;~p _ _ _ _ __ _ _workers a. Occupatio n _ _ 2. 3. • Schenecta dy, N. Y. Trend of desirabil ity next b. Estimated annual family income$ lZOO & up 10-15 c. Foreign-b orn fami(Lies-..l:Q.. $; _ _ _ __cI:_t::al=i:::an:::.__ _ predomin ating; d. e. Inftltr.at ion of _ _--'N~o~n~ •~--- f. g. Populatio n is increasin g Slowly decreasin g _ _ _ _ _ __ BUILDINGS : Singles b. Construct ion Frame i:::. Aver,age Age d. Repair e. Occupancy --'8~5'-------_ _ % ---'9'-'8'--------- % f. Home ownership _7~5~_ _ _ % _8_5_ _ _ $ g. Construct ed past yr._l_O_ _ __ h. 192>} Good $ 2500-10,0 00 ___!QQ$ $ 7000-10 1000 1000-5ffi0 ---6!L% $ 300()..5000 h) 35 Prd.ce range $ j. 1 :~ Pr.ice range $1500-5500 $ 3500-5000 J<.. Sales demand $ 1500-3000 $ _ _ __ 1. Activity m. 1929 l;'.'l35Rent range o. ~ ··:;9Rent range p. Rental demand q. Activity _____ $ 100$ 50 $ $ _ _ _ __ 100% $ _ _ __ __ % $ _ _ _ __ _50 ____% $ _ _ _ __ }lone Poor 22 - 50 $IS - _____ $ Uone 1 • n. _ _ _ Years _20=__ Years 2~0~__ ¥ears Good $ OTHER TYPE Doubles Type Rent orange lfo · -$ --·- static _ _ _ _ _ _ _ __ OTHER TYPE a. Price range Negro Relief families _ _ _.=A:_c_f -=ew-'--- ---------- PREDOMINATING ~ % 0 yrs. Stable e. :J2½ $ 15 - 35 _____iili)$ $ 30 - 45 100'1, $ _ _ _ _ __ ~$ $ 18 - 27½ 65 $ $ _ _ _ __ ..1Q_% $ 20 - 30 $20-30 $ 15 • 30 ~% $ _ _ _ __ -----"ll!l' % ----% ----% $ _ _ __ Poor Poor a. Home purchase Liro:lted b. Home building Limited 4. AVAILAUll!TY OF M0R]GAGE FUNDS: 5. CLARIFYING REl,ARKS: 6. 19 NAME AND LOCATION _ __.S,.cle,1en"""ec,.,tceead:,,,,y'-------_ _ _ _ _ _ SEC1JRITY GRADE _C__ AREA N0. _ _ __ Romes in this area are largely singles of the bungalow and emall two story type. They are not built too closely together and there is a fair pride of om.er ship. State Street is tending toward business. quite a number of residents are employed in Albany. .NS FCRH 8 10-1-37 ARfA DfSCR!ION - SfCURITY MAP OF 1, 2. 3. AREA Qtl'ARA8TER1Sn8S: • Schenectady, N. Y. a. Descr.iption o~ Terrain. Rolling J.and. b. Favorable Inof ~u enc~s. None. c. Detrimental ln:iiluences. Lacks everything but water and electricity. d. Fereentage ofi rand imp:r.0ved~ $; INH~BITAN[S: a. 0cwupa ll 1J0n ----"'s:,,-<>,_,n,._.,,J'O=;:kecer=s,__ _ e. Trend of desirability next 10-15 yrs.~Q.u.""•~s-,__ _ tionable b. Estimated annual family income$ c. Foreign-bOI,"n :tiamHies_]:Q_ $; _ __.I.,talse,,i,ea,en,.s,__ _ _ predominating; d. e. lnf 4ltr&llion oi_ENyon,,,,_e_ _ _ __ f• g. Populanion Ls inc~easing _ _ __ decr,easing _ _ _ _ _ __ 900, up Negro No ; _ _ % Relief families _ _,.1@1=.te,es._ea~fo.aw=--------static _ __,Yc.,ee,s_ _ _ __ BUILDINGS : PREDOM~NAT:ING a:. Type Singles 0. 8onstrucllion Frame 100 % ~1~5_ _ Years d. Repair Fair e. (lk:eupaney _,9.,5- __ % i. H0me ownership c,9,,_0_- g. Const ruel) ed past yr. h. 19!29 Price -range 1. 1 JQ5Pr,~ce r.ange j. J:q ,;aPri!ce r,ange k. Sales demand _ % OTHER TYPE OTHER TYPE _ _ _ Years _ _ _ Years ____ % ____ % _ __ _____ % _ % None 100% $, _ _ _ __ $ 2000-9000 _____i!ll_Q$ $,_ _ _ __ $ JOQQ-.4fPO _fil_% $ _ _ __ _ _ % $ _ _ __ ____ % $ 1000-:4000 ___J;Q_% $, _ _ __ _ _ % $, _ _ _ __ _____ % $ lOOG<-4000 100% $ _ _ __ $ _ _ __ Poor 100% $ _ _ _ __ m. 1929 Rent range $ 10 - 45 -----100% $,~ - - - - n. 1~35Ren~ r.ange $ 10 - 27½ __.sQ__% $ _ _ __ o. ·, ' -78Ren t range $ 10 - 30 ___1Q_ % $ _ _ __ _ _ % $ _ _ __ $ _ _ __ $ _ _ __ p. Renta n deman~ g,, A:et-i.v:iJty _ _ % $ _ _ _ __ _ ____clJKl:% ----% ----% Fair 4- . :A:VAUA:BDTI.ETY 0F M©RTGAGEl FUNDS: s. CLARIF~I NG RE!,ARKS: 6, NAME RN0 LOCRTI©~ _ _S~ch_e_n_oo_ -t_aify~_ _ _ _ _ _ _ SECTIRlTY GRADE _C'--- AREA 1,(), 20 a. Home purchase Lin:d.ted ; b. Home building Limited This is an area which has been sparsely developed with small bungalows and slie7ltly larger cottages built not too closely toget~1.er and displaying a fair pride of ownership. --- NS F'1<iRH 8 1 @-1-317 j 'R,EA DESCR,11 ON - SECURITY MAP OF Schlctad.y, N. Y. 1. 2. 3. M~~ a. CH:ARAC'DEIUSTI(c;S: Descri ption of Terrain. Land: is low and flat. b. Fa.voraJlille lnnuenc1;s. None•. c. DetFiment aill! ]n~hences. Sa'bject to floods and dampness. d. :Perr eenta:ge 0 £ laina ilm,p r0~ea-129%; iJ:NHA:B'.E't.AlN't$ : a. @<1:<1:upat il0n _ a.1-=·=1,.._y--=la=bo=•=r..,.e=r=s_ _ __,D= · e. TFend of desirability next 10-15 yrs--Do~wn=----'-ward b. Estimated annual familiy income $ e. F0Feig,n -b00:n iam,i lies_Q_ $; ------==-- - - - - predominating; d. e. ] 1nifilt :raHt.i0n ©if __:N......,.on...,e...__ _ __ I. g. P0pula'tl i @n is imeFeasing _ _ __ <ieereasing _ _ _ _ _ __ arHER TYPE - FRED(l)M!INATING __§Q_ % J)mbJ es Fraroe Frame _ _ _ Years Poor _98.... : '- ----'C-,1 ....9.,.8_ ___ ,i _____ $ _135-=--- -i . .oo .....·'------ i _____% H@ .me 0wne,rsh dip g. (r;0ns'tl :rueted, past y-u. .Nano h. ii: ~2!i> J 9~~5 F~di€e range OTHER TYPE % 40 ..... 3-5_____ y ears Po@r :f . None $ filQA.-B(}QQ ~00 $ $ fOQQ...2000 2000--4000 00 ~ $ 30QQ 4000 $ _fO._..% $ 3000-4000 100$ _GC) ~.°~~'5 Rent Fan,ge $, 18::::30 0 . :• ' ,;:·:! .IRent range $ p. Nen t a t demamd $ _ _ _ __ % $ GO% $ _ _ _ __ 100$ _____$ _____ % $ _ _ _ __ $ _ _ _ __ n. ; __% static _ _.y..Eae.... s _ _ _ _ __ - Sine;J-es ---'3....,5..___Yea>rs i. Negro No Relief families _ ____.So~m.,_e.___ _ _ _ _ _ _ __ BUlViLMNG:i> : :Pr:i!ee Fang:e 750, v.> ----100% $ 25--40 100% $ _ _ _ __ ___oo._ % $ l S..25 60 % $ _ _ _ __ _ _ _ _ _ <.£ BO% $ _ _ _ __ _ _ _ _ _ <.£ 20..30 $ $ _ _ _ __ 15--25 Good Lj. , A:V~lLA11B1iLTTY (i)F M(;)RTGA"C,E Fl!JN~S : s. Cli,JXR[F¥]NG REt ~ KS: 6. Nft:ME ANfil L@C~'Ji'mQN1 _ _ _ _=Sco=-=t=ia=----,--- - - - SECURITY GRADE --=D=--- AREA NO. _l_ _ a. ffome purchase None b. Home buildin.g ~M~o_n~e_ __ .A mixture of run down, cheap, one and two family houses, 'brid:ge having been eliminated has left this area stranded.. NS FffiM 8 10-1-3'7 AREA DESCR,TION - SECURITY MAP OF ,. AREA 8tlARACTER1STICS: 2, 3, a. Description of 'llerrain. Low land., b. Favorabl!e lnfluenccs. Nona. c. Deurimential In:fi1uences. .A.ge and obsolescence of dwall ings and general character of neighborhood-. d, Percenitage of land improved _____!__QI; e. Trend of desirability next 10-15 yrs.~S~•"•~--- b. Estimated annual family income$ ex:planation INHAB!T~NTS: Laborers a. 0c,.eupa,tii0n C, F0reign-b0rn f ami,!l i es ---29% ; _ __,I"'t"'al"'-'i"an""s____ predominating; d. e. ]nfill tFa,tion of g. P.0pu l! a1i0n is inc:ueasing f. l;Jone BUILDINGS: OTHER TYPE ~% 10 a. 'I.ly,pe Doubles Sine) es b. C0nstr.uet :iion Bri ck & frame :Brick & frame C, Ave.rage Age ~oo~__ Years 60 d. Repaior Poor Poor e. Oczeupancy .i,B!!l,0- ~_% ~9~0~_ _ $ H0me owner-sh d!p _.ff).,__ _ _ % ~60~_ _ % ; . C0nstructed past ye. h, 1929 F:u.i!ce r,ange $ 0000...9000 =-1QQ% i. 1935Pdce r,ange $ 2000-3500 -40-% $ 1 F00-3000 j • :19.39iJ.?d,ce range $ __,l0_% Sa] es demand 1. Acthd.ty m. 1929 IR.enti - r.ange n. o. OTHER TYPE $ _ _ _ Years _____ % ____ % None None 2000-3500 $ $ 3000-:-6000 ] ffi0-..7,(')0() 100% $ 00 % $ _ _fil_% $ $ 2.&-40 100% 1935Rent ,r,ange $ 10-20 _fil_% $ 1s.,.22} _,c60c_% $ _ _ __ ·•938Rent ra,nge $ 10.-20 ____§Q_% $ 15-25 ---2£_$ $ _ _ __ $ 15-20 q. :Activity. % % None None ___ll0% Ren1t a1l dema:nd 100% $ $ $ 15--32½ P· Yes ; _1_% st at ic _ _,Y,.,e"•'------- Years g. l<, Negro Relief families _ _ ___.,,.,,__ _ _ _ _ _ _ _ __ decreasing _ _ _ _ _ __ PREDIDMINATING 700, up $ 10-20 Poor Poor ~- A:VAILABitlTY ©F. M©R'.llGAGE FUNDS: 5. €L~R!FHNG RIDKARKS: $ _ _ _ _ __ a. Home purchase None b. Home building-~N~o~n~•'--- Thl.s is a ver-<J old and congested section of the city now a slum area. Plans are under way for derooli tion of the entire s0ction. 6. NAME ~N~ l OCAT!0N,_ _ _.,,$ch,,,,,,ene,o,,,ccota,,d:,cY_ _ _ _ _ _ SECURITY GRADE _ _.D'--- AREA NO.--=-•-- .NS FCRMi 6 1 0-11 - 37 AREA DES,CR ~ 1. ION - SECURITY MAP OF Sch.ct ad.y, U. Y. :AREA: C.tfA'.RA~ERISTICS: a. DescFiJj)t i@ni of Terrai n . L and rises steepl y to the s outh and ea.st. b. Favor able Influienc~s. None. c. IDetuimentai linfluences . Age and obsolescence of d,vell ings and general charact er of neighb ol"hood. PeFcent age 0 f il.and impr 0v ed 2, 10 %; e. Trend o f desirabi li ty ne x t 10- 15 yrs. b. Estimated annual family income $ tN r Hi:A'.'Bl'F~N]8: a. ().)ceui a t i@n Laberers & shoE help c . · F0Fe!i!g,n-0@rn fami!l.ies ~ $; 3. Itali ans None e. Ji nh h ra t i on ©f g. P@)l)ulli ati@n i s imGreasing f. predominating; Relief families PREID©MliN.ATING ~, a. '.1\y,p e Doubles Singles IL .~0nst 1:u-c t i @n, F!L'ame Frame c. 1tv;.eFage :A1g,e 00 €1 . ReiJ1>a:iLiF Paor e. '®@ciupa..nc M f. H~me @:wnelish i 1 Jj) g. ([;0nsrt.,r ucili e€l p ast YF . 'h . l 'l12~ iP~i! ee :rainige Hi 0000-lJ,. , 000 i • 193'5.PFice Fang-e $ 200©,..4000 J. l 93BFF!i!ee r an,ge $ 2000-4500 ,~ . $ a:les dlemand 1. ll:etld.v.i t M' ,mi. ~'l11~ ~ 50 Yeai:·s eO Years % % I 60 $ $ ·Nane Nano :100% ~ $ __!Q___,; $ 2000-7000 $ 1200-3000 $ 1 20()..3000 100% $ 100% f.O % $ % $ % ~% $ $ $ No:ne No!l'!le _1:QQj $ n. 1 ~ 3 ~ent F:a,111g,e $ ~ - 2~ ~$ $ €),. ' 3 ~ent Fa n,ge $ 9 - 25 $ 9 ... 20 .A:et i\r i t y Yea Fs 90 1 5 - 40 'ii_ . % OTHER TYPE $ $ Ren t al &emaind zo % Yes Poor R'en it va..ng.e I() . No ; _ _ % Negro static OTMER TYPE 700, up Many dec r easing BUILDINGS: d. Slowl y down 30 - 40 100% $ 15 - 2~ 55% $ 60 % $ 1 5 - 25 60 % $ $ 15 - 25 $ 100% % $ Poor Poer a. Home purchase _ None _ __ None b. Home bu i lding _ _ _ _ __ s. CLftlJU FY ING ~E~;~KS: /ii . N,PIME AiNii) LOCA:i'HON_ _ _ _S_eh_eR_,_ec_t_aa.y _ _ _ _ _ _ SECURITY GRADE _ _n_ This is an old section containing a mixture of ancient sing]. es and do'll.bles which are built closely together save in the sparsely developed portio:n. This sparsely developed port ion is beyond the railroad. and at a lower level. Dwellings are both one and twa story of non--d~script design . kREl 'NG . _ i_ __ .NS F'f fiM 9 10-1-3'7 1 AREA D<ES'C R.ION - SECURITY MAP OF Sch.ctady, N. Y. 1 1. 2. 3• A\RE.lt G.tiA!RAC11ElHSTICS: a. Descri1p tion of 'terrain. Land rises steeply to the southeast. 0. fav0rable Inf ] uene es. None, save co:nvenience of location. e. Detri.m_en t all InUuences. Age and obsolescence of dwellings. d. e. Slowly Trena ef desirability next 10-15 yrs.___.do-w-x-i--- [ NJil~,Bil!TA1N i$ : a. ©e eupat if0n _ _ _ Fa_c_to_l"_Y_h_el_P_ _ b. 7oo_,_u;p Estimated annual family income $ _ _ ___ e. F@r:eign-li>©Fn :families~$; _ _ It_al_i_an._._s_ _ _ _ _ predominating; d. e. Tniiltvat !i.0n 0:f_~N=o_n_e_ _ _ __ f. g. P0,pulart1i0n i s in.<rneas!i.ng__,__~ - - decreasing _ _ _ _ _ __ Yes . . Negro , or _ _ /Q Relief families ___M_a_n_Y_ _ _ _ _ _ _ _ _ __ static _ _Yes _ _ _ _ __ BUil11HN<G$ : OTHER TYPE OTHER TYPE _ _ _ Years _ _ _ Years =85=--=~ % _____ $ _____ % _ 00...................-- _____ % _____% FREID©MUM'J.'ING a. lOO $ J:)c:)ubles Wype Frame = er/0 g. «;0,nstru,c lt!leCil ~ast ~r. 1hi . 1 9~ T''ri!i.ee ran1ge $ OOQ(i)..11,000 i. 1~3§ Piriee r,ange $ 2000--45©0 11(, . Nene 100% 100% $_ _ _ __ 100% _ _ % $ _ _ _ __ _____ % _ _ % $ _ _ _ __ _____ % $ _ _ _ __ $ _ _ _ __ $a:les <ltemamil $_ _ _ __ Nene m. n. ©• p. Rent r, an,ge $ 30 - 00 ----1!lW% $ _ _ __ -:.U,35 Rien t ~am1g.e $ 15 .,. 27½ ~% $ lS - 30 ~% $ 15 - 25 1,~ 2~ :: 381 Jlen t Fan,g,e Rent al demand 100% $ _ _ _ __ 100% $ _ _ __ _ _ % $ _ _ _ __ _____ $ $ _ _ __ _ _ % $ _ _ _ __ $ _ _ _ __ ----% $ _ _ _ __ Poer Mone None b. Heme building _ _ _ _ __ lj, . A~ VMtA:UUTY @F M@ R'L'@A:GE FNNDS: 5. C:Tuft;n[ll'Y1N6 RE}iAAKS: 6. N'PlME kNID l1..0.XGA''1'J QN_ _ _S_cb._an_e_et_ai_dW_ · _ _ _ _ _ _ SECURITY GRADE __D_ AREA NO. _ _ _ a. Home purc hase _ _ __ This is an old and fairly congested section of the city which the dwellings, aloost exclusively doubles, are in delapidated condition. T11e U. S. Housing Authority has stl"Ucted. a 250 family unit in this area but it has done ing except create vacancies elsewhere. in rather connoth- 4 1 NS FffiM 8 - .1!0-1-3•'7 1. Sc-ectady, N. Y. A·REA DESCRIPTION - SECURITY MAP Of_ _ __ _ Land is low in west and. highor in tne cast. AREA <GJiAUCTERlSTJCS: a. Bescript i ©n of Terrain . 0. Fav0rab] e [nf]uenccs. es . Detrimentail. I n:liil.ue,nces . e .. lPetreentage 0 m :haml i ,mpF0;ved _ _ $; None, save convenience of location. Ago and character of neighborhood. Down- 100 2. ]NHAiBiT.6.Nrr£: a. ())eeupallii@n Trend of desirability next 10-15 yrs . _w...,a,...r._.d......__ _ b. Estimated annual family income $ _ _ _ _ _ __ 700 , up Daily workors I talians 70 1 e. g. ~@pm1M.il0n is in.ereasing ~ - - - 'Bl:JM,ID1IN@$: decreasing _ _ _ _ _ __ 90 OTHER Briek & f:Fame :Briek & frame 00 =---¥ea:rs 00 Poor Poor Ty@e 1D . G:iDnisit !'lu,esrt ii: ©n € , ~V<ef'agie '.Ag,e a. R.ie paixr e. ®<1:<1:UJi!ain:ey, L H:om:e 0w.nef'sh i p 1g. «:0nst xrueted I;Jas'tl ~T. _ _ _ Years ii . Firicr e xr.ainge $ IPxri ee trange $ ·L~38 j. k. 1 ©0% 1 20©0-4§00 ~~35 Sa:lies aemaifi (l}, 11'.et ruvi. 11;y m. 192~ ,Rent vange 1500-3000 40 _ _ % $ 2000-4000 10 ... 0. :,e R,en il'. ~ange Rentalli deman<!i 25 2.2½ $ $ $ Peor 'ii.· % $ % $ ~ 40 --1,00,% $ 10 - 2(;) p. ro % None 10 ... 25 Rent :range 100% % $ $ $ $ ro $ lo/½- 40 n. 100% 1500-3500 % $ :1 :)35 _ _ _ __ % $ 40 None 1. % 3000-7000 5C!H)0-ll , 000 il ~~ _____% Nono None $ i ?() i P1<'i ©e xraruge OTHER TYPE _ _ _ Year s 85 % ,65 h. 10 Singles (Ji . Yes static _ _ _ _ _ _ __ _ TYPE ___ % FRElilCDMIN'ATiING _ _ % loo1!l.bles 95 100% 55 15 - ~ __% $ 55 00 15 - 25 _ _% $ 15 - 20 $ Poor 60 $ JOO% % $ % % $ % $ Ae ti:vi ty- w. AV'.A: ]tMHLLl1'¥ @F s. Yes F0;reign-1D0;rn fliam1i .'lld. es _ _ %; _ _ _ _ _ _ _ _ _ _ predominating; d. Negro _ _ ; _ _ % Many None f. Relief fami lies _ _ _ _ _ _ _ _ __ _ __ __ hfil txrcati0n 0;f e. 3• e. None None MORT<GACrE CUR ill FUNG REt11:R:K£: FUNDS: a. Home purchase b. Home building An old and very congested section of the ci tyhaving the general appearanee of a slum area. Area contains alm>st ev ery t ype of dw,e ll ing bUit all in a run down condition. 0. 1) 5 Sehenecta.ou N,AME AN,li) U)ClX'f'I®,1'11_ _ _ _ _ _ _ _ _ _ _ _ SE.CllRITY GR~DE _ _ _ ti:Rt~ l-\0. _ __ NS FCRM 8 10-1-3 7 AREA CHARACTERISTICS: a . Descr iption of Terra in. L d -"' nn D-LOpes to the river. 1. 2. 3. AREA DESCR ~ION - SECURITY MAP OF Sch.c tady, !1. Y, b. Favora ble Influe nc~s. None. c. Detrim ental Influe nces. Genera l charac tor of neighb orhood d. Percen tage of land impr oved ~$; INHABITANTS: a. Occup ation __D_a_il_y_w_or._k_e_r_s_ __ e. Trend of desira bility next b. Estim ated annual family incom e$ 10-15 c. Foreig n-born fami lies~ $; _ _ _ _ ltol __i_nn_s___ predom inating ; d. e. Infilt ration of _ _ _ No_n_e_ _ __ f. g. Popula tion is increa sing _ _ __ decrea sing _ _ _ _ _ __ yrs. Stable 750 , up Negro No ; __$ Relief famili es _ _ _ _ _Mnn_..;..Y_ _ _ _ _ _ __ static _ _Y_e_s_ _ _ __ BUILDINGS: PREDOMINATING OTHER 90 $ TYPE 10 OTHER $ TYPE a. Type Doubl es Single s b. Constr uction Frame Frame c. Averag e Age _50 _ _ _ Years d. Repair Poor e. Occupancy 85_ _ _ _ $ _ 90_ _ _ _ $ _ _____ $ f. Home owner ship 70_ _ _ _ $ _ 75_ _ _ $ _ _____% g. None Constr ucted past yr. _ _ _ __ h. 1929 Price range $ . 1935 n . ~rice vange $ 2200-EOOO Price range $ 1. j. 1938 5E00-1 200 2200-5000 1·. Activ ity m. a.~29 Rent range $ 15 - n. - '135 Rent range $ 10 - 22½ o. ,,38 Rent range q. Activ ity None $ 3000-8 000 100$ 40 % $ 1800-4 000 __ro_$ $ ____$ $ 1800-4 000 __ 00_% $ _ _ _ __ ____$ $ 1800-4 000 ---1.Q.Q$ ~$ $ _ _ _ __ Sales demand Renta l demand _ _ _ Years Poor k. p. 50_ _ _ Years None $ _ _ _ __ 100$ $ _ _ _ __ Very poor 40 $ 10 - 25 $ 10 - 20 -1.00% $ 22½ - 40 100$ ~$ $ 15 - ~ 55 $ $ _ _ _ __ __§Q__% $ 15 - 25 60 $ $ _ _ _ __ $ Poor 15 - 20 $ _ _ _ __ 100$ ----% ____$ $ _ _ _ __ Fair 4- . AVAILABILITY OF M0RTGAGE FUNDS: s. CLARIFYING REKARKS: 6. NAME AND LOCATION _ _ _ S_oh_an_o_c_ tady ~ _ _ _ _ _ _ SEC\JRITY. GRADE __D_ /\REI\ NO. _6_ __ a. Home purcha se None b. Home building_N_o_n_e_ __ This is an older sectio n contai ning a mixtu re of smoll and sligh tly larger dwelli ngs of non-d escrip t design occup ied by the lo.bor ing class. House s o.re built <Uose ly togeth er. There is some sco.tte red indus try in this o.reo. o.s well o.s aomo scntto rod busine ss along Von vrnnke n Avenu e. NS FffiM 8 :10-1-3'7 1. 2. AREA - SECURITY MAP OF AREA CtlARA~~ER!S]lCS: a. Description ot Terrain. Land risos slightly from tho rivor. b. Favorable In]luene~s. Good trnnsportation. c. Detr,imenta1 lnt]uences. d. Pet'centage 0:f: land improved~$; Lo.ck of all improvements so.vo go.s and electricity. e. Trend of desirability next 10-15 yrs. Stable b. Estimated annual family income $ INHABiiANTS: a. ©ceu,pa-tion•-~F,.s;a,;ct,,o,,r,._,_·-=h"cl"'-"p"---- e. F0r,eign-bo:rm :fiam:i!l!ies_O_%; _ _ _ _ _.=.._ _ _ _ predominating; d. f:. g. 3. Negro~; _ _ % Relief families _ __,Se,oe,m,soc__ _ _ _ _ _ _ _ __ decreasing _ _ _ _ _ __ Population ~s 1ncreasing _ _ _- 800, 1lP static _ _Y,_,,c._s_ _ _ __ BUILDINGS: BRED0MINA~ING 100 $ 01JHER TYPE OTHER TYPE _ _ _ Yea:rs _ _ _ Years a. Ty[Pe Singl0s c. lvei;ag:e tge 3~5c..__ _ ea-rs d. Repair Fair e. ®ecupancy 9'-'0'-------' ____ $ _____ % ]. Home 0wnership 8=5'=- -~---' _____ % _____ % g. C0nstrn1:: t,ed pasrt: y,r. None n. 1929 i!:'rice r,ange $ 3000-7000 ,i . 1935 , Pr, :i! ce range $ 1.500-3000 j. ".938 Brice ,range $1000-3500 k,_. ¥, ----1Jljl$ 50 % 100% $_ _ __ $~ - - - __$ $ _ _ % $ _ _ _ __ ...!Q__$ $ _ _ __ Sales cl.emand $, _ _ _ __ 100$ ____% ____ % $ _ _ __ None m, 1929 Rent orange $ 25 - 40 -----'""'% $ _ _ __ 100% n. ::.CJ!3S Rent orange $ 15 - 25 ~% $ _ _ __ __$ $ _ _ _ __ o. - ':>B Rent irange $ 15 - 25 ~% $ _ _ __ --% $ _ _ _ __ p. Rental demand $ 15 - 20 q. Acn ~vit!y $ _ _ __ $, _ _ _ _ __ _ ___,_w% ----% ----% $ _ _ __ Poer 0F MOR]<SAGE FUNDS: •· A¥AILABrt!Tt 5. QUHIF~!NG REl:ARKS: a. Home purchaseN_o_n_o_ __ b. Home buildingN_o_n_e_____ ~is is on nrco. containing a mixture of smcll, ald bungalows o.nd cottages. 6. 7 NAME AN 0 l,OCATI@N _ _ _.::A<i"':,__0_du_c_t_ _ _ _ _ _ _ SEC1JRITY GRADE _D_ _ AREA NO. _ _ _