Albany County and Guilderland Town property record for 103 Willow St, Guilderland, NY 12084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,527 sqft · built 1956 |
| Lot Size | 0.757 acres (32,994 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,500 (Nov 1995) |
| Tax Bill | $6,185 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 40.14-2-13 |
| Primary APN | 013089 40.14-2-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,527 sqft Living Area |
| 1st Floor Area | 1,527 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 32,994 sqft (0.757 acres) |
| Lot Dimensions | 399 ft deep x 82.5 ft wide |
| Garage Type | Mixed |
| Garage Area | 300 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 04001400020130000000 |
|---|---|
| Street Address | 103 WILLOW ST |
| City | GUILDERLAND |
| State | NY |
| Zip | 12084-9772 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Block | 2 |
| Legal Lot Number | 13.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14617 |
103 Willow St is owned and occupied by two individuals who bought it in November 1995.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 WILLOW ST, GUILDERLAND, NY 12084-9772 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 1995 · Amount on File |
| Deed Sale | Nov 13, 1995 · Amount on File |
| Deed Book / Page | 2545 / 177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 103 WILLOW ST, GUILDERLAND, NY 12084-9772 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 103 WILLOW ST, GUILDERLAND, NY 12084-9772 |
| Document Number | 0000001372 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | R2021-21372 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Jul 1, 2048 |
The 2026 property tax bill for 103 Willow St was $6,185 with a homeowner's exemption, up 8.8% from the year before.
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,185.00 (+8.83%) Homeowner's exemption | ||
| 2025 | $5,683.00 Homeowner's exemption | $207,000 Land $41,000 Building $166,000 | $276,000 Land $54,667 Building $221,333 |
| 2023 | $207,000 (-) Land $41,000 Building $166,000 | $243,529 (+7.06%) Land $48,235 Building $195,294 | |
| 2022 | $207,000 Land $41,000 Building $166,000 | $227,473 Land $45,055 Building $182,418 | |
| 2021 | $4,992.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Willow St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 in force |
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.
Wildfire risk around 103 Willow St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2022 |
|---|---|
| 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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