Albany County and Colonie Town property record for 146 Vly Rd, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,539 sqft · built 2015 |
| Lot Size | 0.62 acres (27,007 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Sep 1995) |
| Tax Bill | $8,513 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.4-4-19 |
| Primary APN | 012689 17.4-4-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,539 sqft Living Area |
| 1st Floor Area | 1,539 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,007 sqft (0.62 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 27 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700400040190000000 |
|---|---|
| Street Address | 146 VLY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-2049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-156 E-VLY RD S-31-96 |
| Legal Block | 4 |
| Legal Lot Number | 19.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 13703 |
Source: Albany County and Colonie Town records, as of July 20, 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 | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Jul 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| May 7, 2019 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 1995 · Amount on Record |
| Deed Sale | Sep 13, 1995 · Amount on Record |
| Deed Book / Page | 2541 / 410 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Document Number | 0000000947 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | R2021-20947 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Document Number | 0000000946 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | R2021-20946 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 146 VLY RD, SCHENECTADY, NY 12309-2049 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008856 |
|---|---|
| Date | May 7, 2019 |
| Instrument | R2019-08856 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 30, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,513.00 (+9.58%) | $185,400 (-) Land $46,400 Building $139,000 | $424,300 (+16.73%) Land $106,189 Building $318,111 |
| 2023 | $185,400 (-) Land $46,400 Building $139,000 | $363,500 (+9.3%) Land $90,973 Building $272,527 | |
| 2022 | $185,400 Land $46,400 Building $139,000 | $332,556 Land $83,229 Building $249,327 | |
| 2021 | $7,769.00 |
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 215 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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