Albany County and Colonie Town property record for 1 Melody Ln, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,300 sqft · built 1955 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Jun 2023) |
| Tax Bill | $4,952 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.2-2-17 |
| Primary APN | 012689 17.2-2-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Upper Floors Area | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,166 sqft (0.44 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 516 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700200020170000000 |
|---|---|
| Street Address | 1 MELODY LN |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-2013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | LOT 1 N-MELODY LA E-3 S-27-58 |
| Legal Subdivision | MAP OF HIGHLAND PARK |
| Legal Block | 2 |
| Legal Lot Number | 17.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 13703 |
Source: Albany County and Colonie Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1 MELODY LN, SCHENECTADY, NY 12309-2013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jun 20, 2023 | Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU |
| Oct 29, 2020 | Deed of Trust, Transfer · Conventional Mortgage OTHER INSTITUTIONAL LENDERS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2023 · Amount on Record |
| Deed Sale | Jun 20, 2023 · Amount on Record |
| Prior Sale | Nov 12, 2020 · Amount on Record |
| Deed Document Number | 202310855 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 1 MELODY LN, SCHENECTADY, NY 12309-2013 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2023 |
| Title Company | AREA TITLE AGENCY, AAA TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 25 DORLYN RD, ALBANY, NY 12205-5101 |
| Document Number | 0000000856 |
|---|---|
| Date | Jun 20, 2023 |
| Instrument | R2023-10856 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.87% |
| Max Rate | 9.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 1 MELODY LN, SCHENECTADY, NY 12309-2013 |
| Document Number | 0000026295 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | MARATHON TITLE AGENCY INC, MARATHON TITLE AGCY INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 1 MELODY LN SCHENECTADY NY 123092013, SCHENECTADY, NY 12309-2013 |
| Document Number | 0000026295 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 26295 |
| Name | OTHER INSTITUTIONAL LENDERS |
|---|---|
| Type | Bank |
| Address | STERLING HEIGHTS, MI 48310 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,952.00 (-4.14%) | ||
| 2025 | $5,166.00 (+14.47%) | $109,100 (+4.3%) Land $27,300 Building $81,800 | $249,700 (+21.75%) Land $62,482 Building $187,218 |
| 2023 | $104,600 (-) Land $26,200 Building $78,400 | $205,100 (+9.31%) Land $51,373 Building $153,727 | |
| 2022 | $104,600 Land $26,200 Building $78,400 | $187,623 Land $46,995 Building $140,628 | |
| 2021 | $4,513.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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