Albany County and Colonie Town property record for 15 Michelle Ln, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,326 sqft · built 1986 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $111,500 (Aug 1998) |
| Tax Bill | $5,350 (2026) |
| Deeds & Mortgages | May 2017 Loan Modification May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.6-2-71 |
| Primary APN | 012689 17.6-2-71 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Upper Floors Area | 442 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700600020710000000 |
|---|---|
| Street Address | 15 MICHELLE LN |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N- MICHELLE E-17 S-134-80 |
| Legal Block | 2 |
| Legal Lot Number | 71.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 13802 |
15 Michelle Ln is owner-occupied and held in a trust since May 2024.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 15 MICHELLE LN, SCHENECTADY, NY 12309-3348 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 23, 2017 | Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage KEYBANK USA |
| May 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1998 · Amount on File |
| Deed Sale | Aug 31, 1998 · Amount on File |
| Deed Book / Page | 2611 / 119 |
| Last Transfer Date | May 14, 2024 |
| Transfer Doc | 0000005608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | May 23, 2017 |
| Property Address | 15 MICHELLE LN, SCHENECTADY, NY 12309-3348 |
| Instrument Date | May 15, 2017 |
| Instrument | 11754 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 15 MICHELLE LN NISKAYUNA NY 123093348, NISKAYUNA, NY 12309-3348 |
| Document Number | 0000011754 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 11754 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 22, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 15 MICHELLE LN, SCHENECTADY, NY 12309-3348 |
| Document Number | 0000011753 |
| Instrument Date | May 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2017 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 15 MICHELLE LN NISKAYUNA NY 123093348, NISKAYUNA, NY 12309-3348 |
| Document Number | 0000011753 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 11753 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 22, 2042 |
The 2026 property tax bill for 15 Michelle Ln was $5,350, down 3.8% from the year before.
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 |
|---|---|---|---|
| 2026 | $5,350.00 (-3.79%) | ||
| 2025 | $5,561.00 | $118,100 Land $23,600 Building $94,500 | $270,300 Land $54,014 Building $216,286 |
| 2023 | $118,100 (-) Land $23,600 Building $94,500 | $231,600 (+9.33%) Land $46,281 Building $185,319 | |
| 2022 | $118,100 Land $23,600 Building $94,500 | $211,839 Land $42,332 Building $169,507 | |
| 2021 | $4,357.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Michelle 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 risk around 15 Michelle Ln is low, with less than 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 97% of the US · lower than 96% 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.
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 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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