12 Concord Dr, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 12 Concord Dr, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,408 sqft · built 1983
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,000 (Mar 2010)
Tax Bill	$5,915 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-1-52`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-1-52`
Alternative APNs	`268900700400010520000000` `00700400010520000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,408 sqft Living Area
1st Floor Area	1,264 sqft
Basement Area	1,144 sqft
Finished Basement	1,144 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	750 sqft
Patio Area	50 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00700400010520000000
Street Address	12 CONCORD DR
City	SCHENECTADY
State	NY
Zip	12309-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-259A LISHAKILL E-14 S-122-95
Legal Subdivision	ARBOR ESTATES SECTION 1
Legal Block	1
Legal Lot Number	52.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	3
Census Block	3001
Census Tract	13802

Owner

Source: Albany County and Colonie 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	12 CONCORD DR, SCHENECTADY, NY 12309-3226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2010 · Amount on Record
Deed Sale	Mar 8, 2010 · Amount on Record
Deed Document Number	2010603380
Deed Book / Page	2973 / 148
Prior Transfer Date	Jun 9, 2006
Prior Transfer Doc	0028660184
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 CONCORD DR, SCHENECTADY, NY 12309-3226
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CONCORD DR, SCHENECTADY, NY 12309-3226

Mortgage

Document Number	0000005142
Date	Oct 26, 2022
Instrument	R2022-25142

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 7, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 CONCORD DR, SCHENECTADY, NY 12309-3226
Transaction Type	Mortgage
Record Updated	Jul 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003315
Date	Feb 10, 2020
Instrument	R2020-03315

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jan 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,915.00 (-2.67%) Homeowner's exemption Veteran's exemption
2025	$6,077.00 (+16.66%) Homeowner's exemption Veteran's exemption	$135,000 (-) Land $33,700 Building $101,300	$308,900 (+16.7%) Land $77,111 Building $231,789
2023		$135,000 (-) Land $33,700 Building $101,300	$264,700 (+9.31%) Land $66,077 Building $198,623
2022		$135,000 Land $33,700 Building $101,300	$242,152 Land $60,448 Building $181,704
2021	$5,209.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 333 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Concord Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures