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12 Laurel Ln, Schenectady, NY 12304 Property Records

Schenectady County and Niskayuna Town property record for 12 Laurel Ln, Schenectady, NY 12304

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,752 sqft · built 1987
Lot Size0.21 acres (9,148 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Mar 2025)
Tax Bill$7,263 (2025)
Deeds & MortgagesMar 2025 Sale & Mortgage
Nov 2017 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN422400 60.20-1-70

Property Details

APN / Parcel Number

Primary APN422400 60.20-1-70
Alternative APN
  • 240006002000010700000000

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area1,752 sqft Living Area
1st Floor Area1,080 sqft
Basement Area672 sqft
Finished Basement672 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Lot Area9,148 sqft (0.21 acres)
Lot Dimensions100 ft deep x 92.6 ft wide
Garage TypeBasement

Exterior Amenities

PorchSlab
Porch Area160 sqft
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address12 LAUREL LN
CitySCHENECTADY
StateNY
Zip12304-2473
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2
Legal SubdivisionMICHELE MANOR
Legal Block1
Legal Lot Number70.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionNISKAYUNA
Census Block Group3
Census Block3011
Census Tract31902

Owner

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address142B VANDENBURGH PL, TROY, NY 12180-6045
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2025Warranty Deed, Transfer · Conventional Mortgage
BROADVIEW FCU
Nov 9, 2017Deed of Trust, Mortgage · ARM
CAPITAL COMMUNICATIONS FCU
May 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
TRUSTCO BANK
Dec 11, 2018Warranty Deed, Transfer · FHA Mortgage
HOMESTEAD FUNDING CORP
Nov 9, 2017Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI
CAPITAL COMMUNICATIONS FCU
Dec 29, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 18, 2025 · Amount on Record
Deed SaleMar 18, 2025 · Amount on Record
Prior SaleDec 11, 2018 · Amount on Record
Deed Document Number20256362
Prior Transfer DateMay 8, 2017
Prior Transfer Doc0000058463
Record UpdatedSep 20, 2026

March 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateMar 18, 2025
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Document Number0000006362
Map ReferenceDR 68 MAP 204
Instrument DateMar 18, 2025
Instrument202506362
Transaction TypeTransfer
Record UpdatedApr 14, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12 LAUREL LN, SCHENECTADY, NY 12304-2473

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address142 VANDENBURGH PL # B, B, TROY, NY 12180-6045

Mortgage

Document Number0000006363
DateMar 18, 2025
Instrument202506363
Lender
NameBROADVIEW FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.87%
Type Change DateMar 1, 2030
Change Frequency6 Months
Min Rate At Change3.87%
Max Rate At Change7.87%
IndexSOFR Average 30-Day
Max Rate10.8%

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Transaction TypeMortgage
Record UpdatedMay 30, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000050933
DateNov 9, 2017
Book Page4799/688
Instrument201750933
Lender
NameCAPITAL COMMUNICATIONS FCU
TypeCredit Union
AddressALBANY, NY 12205
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueDec 1, 2047
Interest
Rate TypeAdjustable Rate
Rate2.87%
AdjustableAdjustable Rate Rider
Type Change DateDec 1, 2024
Change FrequencyAnnually
Min Rate At Change3%
Max Rate At Change4.87%
Index1-Year CMT
Margin3
Max Rate8.87%

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSCHENECTADY NY
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Transaction TypeMortgage
Record UpdatedMay 30, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014278
DateMay 19, 2020
Book Page4989/149
Instrument202014278
Lender
NameTRUSTCO BANK
TypeBank
AddressALBANY, NY 12205
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMay 8, 2050

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateDec 11, 2018
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Document Number0000054296
Book / Page2001 / 609
Map ReferenceMAP 204
Instrument DateDec 6, 2018
Instrument201854296
Transaction TypeTransfer
Record UpdatedMay 10, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12 LAUREL LN, 12, SCHENECTADY, NY 12304-2473

Transferred To (Grantee/Buyer)

NameVerified Name
Address80118 DOORSTONE DR, LATHAM, NY 12110

Mortgage

Document Number0000054298
DateDec 11, 2018
Book Page4883/464
Instrument201854298
Lender
NameHOMESTEAD FUNDING CORP
TypeMortgage Company
AddressALBANY, NY 12205
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2049

November 2017: Loan Modification, Consolidation and Extension, Mortgage

Document TypeLoan Modification, Consolidation and Extension
JurisdictionSCHENECTADY NY
Recording DateNov 9, 2017
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Book / Page004799 / 000705
Instrument DateOct 27, 2017
Instrument50935
Transaction TypeMortgage
Record UpdatedJan 14, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 LAUREL LN SCHENECTADY NY 123042473, SCHENECTADY, NY 12304-2473

Mortgage

Document Number0000050935
DateNov 9, 2017
Book Page004799/000705
Instrument50935
Lender
NameCAPITAL COMMUNICATIONS FCU
AddressALBANY, NY 12205
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueNov 8, 2047
Interest
Rate TypeAdjustable Rate
Rate2.87%

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSCHENECTADY NY
Recording DateDec 29, 2017
Property Address12 LAUREL LN, SCHENECTADY, NY 12304-2473
Document Number0000058463
Book / Page001978 / 000597
Instrument DateMay 8, 2017
Instrument58463
Transaction TypeTransfer
Record UpdatedJan 4, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address12 LAUREL LN SCHENECTADY NY 123042473, SCHENECTADY, NY 12304-2473

Tax Assessment & Valuation

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionNiskayuna Town
Unified School DistrictSouth Colonie Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,263.00$206,000 (-) Land $35,400 Building $170,600$305,200 (+17.02%) Land $52,447 Building $252,753
2023$206,000 Land $35,400 Building $170,600$260,800 Land $44,817 Building $215,983

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 January 7, 2014

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 97.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Drinking Water

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

Water SystemNISKAYUNA CONSOLIDATED WD #11
public/private · serves 22,287 people · EPA ID NY4600073
Water SourceGroundwater
Last State InspectionMar 2024
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 336 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile USA
Fixed Wireless		100 / 20

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