Schenectady County and Schenectady City property record for 1186 Lowell Rd, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3.5 ba · 3,341 sqft · built 1910 |
| Lot Size | 0.328 acres (14,325 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Apr 2024) |
| Tax Bill | $16,241 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Apr 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 39.76-1-11 |
| Primary APN | 421500 39.76-1-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,341 sqft Living Area |
| 1st Floor Area | 1,323 sqft |
| 2nd Floor Area | 1,345 sqft |
| Upper Floors Area | 673 sqft |
| Attic | Attic |
| Attic Area | 673 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 14,325 sqft (0.328 acres) |
| Lot Dimensions | 179 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 456 sqft |
| Patio Area | 528 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1186 LOWELL RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-2512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 33400 |
Source: Schenectady County and Schenectady City 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 | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Apr 25, 2024 | Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Mar 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Nov 10, 2017 | Deed of Trust, Mortgage · Line of Credit SEFCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2024 · Amount on Record |
| Deed Sale | Apr 25, 2024 · Amount on Record |
| Prior Sale | Mar 12, 2021 · Amount on Record |
| Deed Document Number | 202424587 |
| Deed Book / Page | 2129 / 519 |
| Prior Transfer Date | Apr 17, 2013 |
| Prior Transfer Doc | 0000020190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 17, 2026 |
| Property Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000013822 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202613822 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000013822, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202613822 |
| Name | TRUSTCO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 25, 2024 |
| Property Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000024587 |
| Book / Page | 2129 / 519 |
| Instrument Date | Apr 4, 2024 |
| Instrument | 202424587 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,720.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Name | Verified Name |
|---|---|
| Address | 1339 GLENWOOD BLVD, SCHENECTADY, NY 12308-2507 |
| Document Number | 0000024595 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 202424595 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 12, 2021 |
| Property Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000010169 |
| Book / Page | 2054 / 55 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 202110169 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| 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 | 1186 LOWELL RD, 1186, SCHENECTADY, NY 12308-2512 |
| Name | Verified Name |
|---|---|
| Address | 467 PROSPECT ST, SOUTH ORANGE, NJ 07079-1837 |
| Document Number | 0000010170 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 202110170 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1186 LOWELL RD, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000053232 |
| Book / Page | 004802 / 000922 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1186 LOWELL RD SCHENECTADY NY 123082512, SCHENECTADY, NY 12308-2512 |
| Document Number | 0000053232 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 004802/000922 |
| Instrument | 53232 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 21, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,241.00 (+1.2%) | ||
| 2025 | $16,049.00 (+2.83%) | $352,600 (-) Land $52,900 Building $299,700 | $583,872 (+30.82%) Land $87,597 Building $496,275 |
| 2023 | $352,600 (-) Land $52,900 Building $299,700 | $446,329 (+3.8%) Land $66,962 Building $379,367 | |
| 2022 | $352,600 Land $52,900 Building $299,700 | $430,000 Land $64,512 Building $365,488 | |
| 2021 | $15,607.00 |
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 January 7, 2014
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 95% of the US · lower than 94% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 746 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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