Albany County and Guilderland Town property record for 122 Benjamin St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,408 sqft · built 1984 |
| Lot Size | 0.447 acres (19,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Oct 2017) |
| Tax Bill | $9,826 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 27.07-3-3 |
| Primary APN | 013089 27.07-3-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,408 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| 2nd Floor Area | 1,092 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,483 sqft (0.447 acres) |
| Lot Dimensions | 194 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Slab |
| Porch Area | 321 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02700700030030000000 |
|---|---|
| Street Address | 122 BENJAMIN ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 122 LPV 4 |
| Legal Subdivision | LONE PINE VILLAGE |
| Legal Block | 3 |
| Legal Lot Number | 3.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14616 |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 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 File |
|---|---|
| Mailing Address | 122 BENJAMIN ST, SCHENECTADY, NY 12303-5128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CCFCU FUNDING LLC |
| Apr 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CCFCU FUNDING LLC |
| Oct 30, 2017 | Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 30, 2017 · Amount on Record |
| Deed Sale | Oct 30, 2017 · Amount on Record |
| Deed Document Number | 201725960 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 122 BENJAMIN ST, SCHENECTADY, NY 12303-5128 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002325 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | R2021-12325 |
| Name | CCFCU FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCHENECTADY, NY 12303 |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 122 BENJAMIN ST, SCHENECTADY, NY 12303-5128 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000002324 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | R2021-12324 |
| Name | CCFCU FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Oct 30, 2017 |
| Property Address | 122 BENJAMIN ST, SCHENECTADY, NY 12303-5128 |
| Document Number | 0000005960 |
| Map Reference | MAP5869 DR172 |
| Instrument Date | Jan 9, 2017 |
| Instrument | R2017-25960 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 122 BENJAMIN ST, 122, SCHENECTADY, NY 12303-5128 |
| Name | Verified Name |
|---|---|
| Address | 93 LENORA DR, HAMBURG, NY 14075-4709 |
| Document Number | 0000005961 |
|---|---|
| Date | Oct 30, 2017 |
| Instrument | R2017-25961 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Feb 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.12% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.12% |
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 |
|---|---|---|---|
| 2025 | $9,826.00 (+11.82%) | $345,000 (-) Land $69,000 Building $276,000 | $460,000 (+13.33%) Land $92,000 Building $368,000 |
| 2023 | $345,000 (-) Land $69,000 Building $276,000 | $405,882 (+7.06%) Land $81,176 Building $324,706 | |
| 2022 | $345,000 Land $69,000 Building $276,000 | $379,121 Land $75,824 Building $303,297 | |
| 2021 | $8,787.00 |
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 · 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 |
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.
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 | Direct burnable vegetation at the parcel |
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 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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