Albany County and Guilderland Town property record for 11 Morningside Dr, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 2,200 sqft · built 1954 |
| Lot Size | 0.741 acres (32,300 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $8,810 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 39.07-1-18 |
| Primary APN | 013089 39.07-1-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| 2nd Floor Area | 952 sqft |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 32,300 sqft (0.741 acres) |
| Lot Dimensions | 323 ft deep x 100 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 03900700010180000000 |
|---|---|
| Street Address | 11 MORNINGSIDE DR |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT 7 |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 14606 |
Source: Albany County and Guilderland Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| May 19, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Aug 25, 2021 | Deed of Trust, Mortgage · Construction Mortgage TRUSTCO BANK |
| Dec 24, 2019 | Deed of Trust, Mortgage · Line of Credit SEFCU |
| Feb 1, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 |
| Deed Sale | Feb 1, 2017 |
| Prior Sale | Dec 8, 2010 · Amount on Record |
| Deed Document Number | 20172862 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Jul 13, 2026 |
| Property Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000013116 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202613116 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000013116, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202613116 |
| Name | TRUSTCO BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 17, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000002913 |
|---|---|
| Date | May 19, 2022 |
| Instrument | R2022-12913 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 13, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000005745 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | R2021-25745 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 367 Months |
| Due | Mar 23, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000000826 |
| Instrument Date | Dec 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11 MORNINGSIDE DR SCHENECTADY NY 123035628, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000000826 |
|---|---|
| Date | Jan 10, 2020 |
| Instrument | 826 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 9, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Feb 1, 2017 |
| Property Address | 11 MORNINGSIDE DR, SCHENECTADY, NY 12303-5628 |
| Document Number | 0000002862 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 2862 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 MORNINGSIDE DR SCHENECTADY NY 123035628, SCHENECTADY, NY 12303-5628 |
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 | $8,810.00 (+0.13%) | ||
| 2025 | $8,799.00 (+52.87%) | $300,200 (-) Land $60,000 Building $240,200 | $400,267 (+13.33%) Land $80,000 Building $320,267 |
| 2023 | $300,200 (+1.42%) Land $60,000 Building $240,200 | $353,176 (+8.58%) Land $70,588 Building $282,588 | |
| 2022 | $296,000 Land $59,000 Building $237,000 | $325,275 Land $64,835 Building $260,440 | |
| 2021 | $5,756.00 |
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 March 6, 2019
| 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 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 207 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 |
| Hudson Valley Wireless Fixed Wireless | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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