16 Michael Dr, Schenectady, NY 12303 Property Records

Albany County and Colonie Town property record for 16 Michael Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 1958
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,553 (2026)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 16.1-1-8`

Property Details

APN / Parcel Number

Primary APN	`012689 16.1-1-8`
Alternative APNs	`268901600100010080000000` `01600100010080000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
1st Floor Area	1,266 sqft
Upper Floors Area	796 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	286 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	01600100010080000000
Street Address	16 MICHAEL DR
City	SCHENECTADY
State	NY
Zip	12303-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 3 N-946 E-18 S-39-19
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	4
Census Block	4009
Census Tract	13804

Owner

Source: Albany County and Colonie Town records, as of September 23, 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 MICHAEL DR, SCHENECTADY, NY 12303-2708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS
Sep 29, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	16 MICHAEL DR, SCHENECTADY, NY 12303-2708
Document Number	0000023800
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Jun 15, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MICHAEL DR SCHENECTADY NY 123032708, SCHENECTADY, NY 12303-2708

Mortgage

Document Number	0000023800
Date	Oct 5, 2017
Instrument	23800

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Oct 4, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.61%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	16 MICHAEL DR, SCHENECTADY, NY 12303-2708
Document Number	0000023801
Instrument Date	Sep 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGCY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MICHAEL DR SCHENECTADY NY 123032708, SCHENECTADY, NY 12303-2708

Mortgage

Document Number	0000023801
Date	Oct 5, 2017
Instrument	23801

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months
Due	Oct 4, 2100

Interest

Rate Type	Adjustable Rate
Rate	4.61%

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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,553.00 (+21.22%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption
2025	$4,581.00 (-0.5%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$124,000 (-) Land $31,000 Building $93,000	$283,800 (+16.74%) Land $70,950 Building $212,850
2023		$124,000 (-) Land $31,000 Building $93,000	$243,100 (+9.3%) Land $60,775 Building $182,325
2022		$124,000 Land $31,000 Building $93,000	$222,422 Land $55,605 Building $166,817
2021	$4,604.00

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

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	2 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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 44 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

May also be available: T-Mobile.

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