16 Arrow St, Schenectady, NY 12304 Property Records

Albany County and Colonie Town property record for 16 Arrow St, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,216 sqft · built 1946
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,500 (May 2018)
Tax Bill	$4,760 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 16.7-7-28`

Property Details

APN / Parcel Number

Primary APN	`012689 16.7-7-28`
Alternative APNs	`268901600700070280000000` `01600700070280000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,216 sqft Living Area
1st Floor Area	869 sqft
Upper Floors Area	347 sqft
Attic	Attic
Attic Area	347 sqft
Game Room	Game Room

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01600700070280000000
Street Address	16 ARROW ST
City	SCHENECTADY
State	NY
Zip	12304-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	LOT 45 N-14 E-15 S-114-15
Legal Subdivision	BUILDING LOTS AT UPLANDS
Legal Block	7
Legal Lot Number	28.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2017
Census Tract	13803

Owner

Source: Albany County and Colonie Town records, as of June 29, 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	16 ARROW ST, SCHENECTADY, NY 12304-4403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
May 29, 2018	Deed with Mortgage, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2018 · Amount on Record
Deed Sale	May 29, 2018 · Amount on Record
Prior Sale	Aug 3, 2011 · Amount on Record
Deed Document Number	201811522
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Apr 14, 2026
Property Address	16 ARROW ST, SCHENECTADY, NY 12304-4403
Document Number	0000000018
Instrument Date	Apr 9, 2026
Instrument	20267018
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ARROW ST, SCHENECTADY, NY 12304-4403

Mortgage

Document Number	0000007018,
Date	Apr 14, 2026
Instrument	20267018

Lender

Name	BAY VIEW FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	16 ARROW ST, SCHENECTADY, NY 12304-4403
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ARROW ST, SCHENECTADY, NY 12304-4403

Mortgage

Document Number	0000003229
Date	Nov 3, 2021
Instrument	R2021-33229

Lender

Name	TRUSTCO BANK
Type	Bank
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 16, 2051

May 2018: Deed with Mortgage, Transfer

Document Type	Deed with Mortgage
Jurisdiction	ALBANY NY
Recording Date	May 29, 2018
Property Address	16 ARROW ST, SCHENECTADY, NY 12304-4403
Document Number	0020181522
Book / Page	002018 / 011522
Instrument Date	May 24, 2018
Instrument	11523
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 ARROW ST SCHENECTADY NY 123044403, SCHENECTADY, NY 12304-4403

Mortgage

Document Number	11523
Date	May 29, 2018
Instrument	11523

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2048

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	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,760.00 (+16.44%)	$94,000 (-) Land $18,800 Building $75,200	$215,100 (+16.71%) Land $43,020 Building $172,080
2023		$94,000 (-) Land $18,800 Building $75,200	$184,300 (+9.31%) Land $36,860 Building $147,440
2022		$94,000 Land $18,800 Building $75,200	$168,610 Land $33,722 Building $134,888
2021	$4,088.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	3 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 96% of the US · lower than 95% 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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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