Schenectady County and Niskayuna Town property record for 103 Lois Ln, Schenectady, NY 12304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,786 sqft · built 2013 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (Jun 2022) |
| Tax Bill | $8,032 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.16-1-95 |
| Primary APN | 422400 60.16-1-95 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,786 sqft Living Area |
| 1st Floor Area | 1,786 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 2,614 sqft (0.06 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 118 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 LOIS LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2454 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R3 |
| Legal Subdivision | NISKAYUNA CONDOMINIUMS |
| Legal Block | 1 |
| Legal Lot Number | 95.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | ROTTERDAM |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 32602 |
Source: Schenectady County and Niskayuna 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 | Individual Name on Record |
|---|---|
| Mailing Address | 103 LOIS LN, SCHENECTADY, NY 12304-2454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES FCU |
| Jun 7, 2017 | Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on Record |
| Deed Sale | Jun 9, 2022 · Amount on Record |
| Prior Sale | Sep 25, 2020 · Amount on Record |
| Deed Document Number | 202230520 |
| Deed Book / Page | 2086 / 340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 9, 2022 |
| Property Address | 103 LOIS LN, SCHENECTADY, NY 12304-2454 |
| Document Number | 0000030520 |
| Book / Page | 2086 / 340 |
| Map Reference | LB 1856 PG 216 |
| Instrument Date | May 27, 2022 |
| Instrument | 202230520 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2022 |
| Title Company | REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8231 S WINNIPEG CIR, 8231, AURORA, CO 80016-7160 |
| Name | Verified Name |
|---|---|
| Address | 103 FIELDSTONE DR, SCHENECTADY, NY 12304-5413 |
| Document Number | 0000030521 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 202230521 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Jun 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.62% |
| Index | Other |
| Max Rate | 8.62% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 7, 2017 |
| Property Address | 103 LOIS LN, SCHENECTADY, NY 12304-2454 |
| Document Number | 0000025101 |
| Book / Page | 1964 / 281 |
| Map Reference | MB 1930 PG 199 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 201725101 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,128.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 LOIS LN, 103, SCHENECTADY, NY 12304-2454 |
| Name | Verified Name |
|---|---|
| Address | 35 NANCY THERESA TER, ALBANY, NY 12205-1728 |
| Document Number | 0000025102 |
|---|---|
| Date | Jun 7, 2017 |
| Book Page | 4764/778 |
| Instrument | 201725102 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.12% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.12% |
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,032.00 (+3.36%) | ||
| 2025 | $7,771.00 | $255,000 (-) Land $10,000 Building $245,000 | $377,800 (+17.04%) Land $14,816 Building $362,984 |
| 2023 | $255,000 (-) Land $10,000 Building $245,000 | $322,800 (+12.67%) Land $12,659 Building $310,141 | |
| 2022 | $255,000 Land $10,000 Building $245,000 | $286,500 Land $11,235 Building $275,265 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% 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 | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 112 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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