Schenectady County and Niskayuna Town property record for 1064 Merlin Dr, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,192 sqft · built 1966 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $240,000 (Nov 2013) |
| Tax Bill | $12,112 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 61.7-3-34 |
| Primary APN | 422400 61.7-3-34 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,192 sqft Living Area |
| 1st Floor Area | 2,192 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 180 ft deep x 168 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 314 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1064 MERLIN DR |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-1600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | MERLIN PARK ESTATES MAP #1 |
| Legal Block | 3 |
| Legal Lot Number | 34.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 32102 |
1064 Merlin Dr is owned and occupied by two individuals who bought it in November 2013.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| 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.
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Jun 25, 2020 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 24, 2020 | Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2013 · Amount on File |
| Deed Sale | Nov 27, 2013 · Amount on File |
| Deed Document Number | 201352216 |
| Deed Book / Page | 1886 / 257 |
| Prior Transfer Date | Dec 17, 2011 |
| Prior Transfer Doc | 0000052106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2026 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 1064 MERLIN DR, NISKAYUNA, NY 12309-1600 |
| Document Number | 0000006740 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 202606740 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018341 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | 4999/203 |
| Instrument | 202018341 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Jan 17, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Document Number | 0000005637 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1064 MERLIN DR NISKAYUNA NY 123091600, NISKAYUNA, NY 12309-1600 |
| Document Number | 0000005637 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 004971/000426 |
| Instrument | 5637 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Feb 9, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Document Number | 0000005638 |
| Instrument Date | Jan 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1064 MERLIN DR NISKAYUNA NY 123091600, NISKAYUNA, NY 12309-1600 |
| Document Number | 0000005638 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 004971/000457 |
| Instrument | 5638 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Feb 9, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1064 MERLIN DR, SCHENECTADY, NY 12309-1600 |
| Document Number | 0000051198 |
| Book / Page | 004800 / 000103 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1064 MERLIN DR NISKAYUNA NY 123091600, NISKAYUNA, NY 12309-1600 |
| Document Number | 0000051198 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 004800/000103 |
| Instrument | 51198 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2047 |
The 2026 property tax bill for 1064 Merlin Dr was $12,112, up 1.5% from the year before.
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 | Niskayuna Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,112.00 (+1.5%) | ||
| 2025 | $11,933.00 | $275,000 Land $46,000 Building $229,000 | $407,400 Land $68,147 Building $339,253 |
| 2023 | $275,000 Land $46,000 Building $229,000 | $348,100 Land $58,228 Building $289,872 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1064 Merlin Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 | 4 in force |
| Nearby Flood Claims | 6 (1978–2011) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
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 1064 Merlin Dr 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 | 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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