12 Michael Dr, Schenectady, NY 12303 Property Records

Albany County and Colonie Town property record for 12 Michael Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1954
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$124,500 (Feb 2021)
Tax Bill	$3,625 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 16.1-1-6`

Property Details

APN / Parcel Number

Primary APN	`012689 16.1-1-6`
Alternative APNs	`268901600100010060000000` `01600100010060000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	816 sqft
Upper Floors Area	204 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	01600100010060000000
Street Address	12 MICHAEL DR
City	SCHENECTADY
State	NY
Zip	12303-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LF EST GARNER MAURIE N-946 E-14 S-38-36
Legal Subdivision	MAP OF MICHALE ESTATES
Legal Block	1
Legal Lot Number	6.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	4
Census Block	4009
Census Tract	13804

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	Individual Name on Record
Mailing Address	12 MICHAEL DR, SCHENECTADY, NY 12303-2708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Line of Credit PIONEER BANK
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	20215928
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 MICHAEL DR, SCHENECTADY, NY 12303-2708
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003993
Date	Jun 3, 2022
Instrument	R2022-13993

Lender

Name	PIONEER BANK
Type	Bank
Address	ALBANY, NY 12210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 MICHAEL DR, SCHENECTADY, NY 12303-2708
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005929
Date	Feb 25, 2021
Instrument	R2021-05929

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,625.00 (-10.96%)
2025	$4,071.00 (+17.83%)	$77,300 (-) Land $15,500 Building $61,800	$176,900 (+16.69%) Land $35,472 Building $141,428
2023		$77,300 (-) Land $15,500 Building $61,800	$151,600 (+9.34%) Land $30,398 Building $121,202
2022		$77,300 Land $15,500 Building $61,800	$138,655 Land $27,803 Building $110,852
2021	$3,455.00

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 · 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	2 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Mar 2024 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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.

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 44 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

May also be available: T-Mobile.

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