14 Oaktree Ln, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 14 Oaktree Ln, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,784 sqft · built 1964
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Aug 2018)
Tax Bill	$9,127 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-3-7`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-3-7`
Alternative APNs	`268900700400030070000000` `00700400030070000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,784 sqft Living Area
1st Floor Area	920 sqft
2nd Floor Area	864 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00700400030070000000
Street Address	14 OAKTREE LN
City	SCHENECTADY
State	NY
Zip	12309-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 12 & 14 N-TOWN LINE E-16 W C-75-91
Legal Subdivision	MAP #3 NISKAYUNA HILLS
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2005
Census Tract	13802

Owner

14 Oaktree Ln is owned and occupied by two individuals who bought it in August 2018.

Source: Albany County and Colonie Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14 OAKTREE LN, SCHENECTADY, NY 12309-1802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NEW YORK FCU
Aug 7, 2018	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on File
Deed Sale	Aug 7, 2018 · Amount on File
Deed Document Number	201817434
Prior Transfer Date	Aug 6, 2018
Prior Transfer Doc	0000017434
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	14 OAKTREE LN, SCHENECTADY, NY 12309-1802
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 WASHINGTON AVE, SCHENECTADY, NY 12305-1737

Mortgage

Document Number	0000001171
Date	May 3, 2022
Instrument	R2022-11171

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 26, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	14 OAKTREE LN, SCHENECTADY, NY 12309-1802
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020031
Date	Sep 6, 2018
Instrument	R2018-20031

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 5, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Aug 7, 2018
Property Address	14 OAKTREE LN, SCHENECTADY, NY 12309-1802
Document Number	0020187434
Book / Page	002018 / 017434
Instrument Date	Aug 6, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 OAKTREE LN SCHENECTADY NY 123091802, SCHENECTADY, NY 12309-1802

Tax Assessment & Valuation

The 2026 property tax bill for 14 Oaktree Ln was $9,127, up 16% from the year before.

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	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,127.00 (+16.03%)
2025	$7,866.00	$160,000 Land $42,000 Building $118,000	$366,100 Land $96,101 Building $269,999
2023		$168,000 (+12%) Land $42,000 Building $126,000	$329,400 (+22.43%) Land $82,350 Building $247,050
2022		$150,000 Land $37,500 Building $112,500	$269,058 Land $67,264 Building $201,794
2021	$6,458.00

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

Flood

FEMA maps place 14 Oaktree Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 14 Oaktree Ln is low, with a 0.01% annual chance of wildfire.

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

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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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