165 Benjamin St, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 165 Benjamin St, Schenectady, NY 12303 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,229 sqft · built 1983
Lot Size	0.613 acres (26,724 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Jul 1997)
Tax Bill	$9,000 (2025)
Deeds & Mortgages	May 2022 Refinance May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 27.08-2-18`

Property Details

APN / Parcel Number

Primary APN	`013089 27.08-2-18`
Alternative APNs	`308902700800020180000000` `02700800020180000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,229 sqft Living Area
1st Floor Area	1,137 sqft
2nd Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	26,724 sqft (0.613 acres)
Lot Dimensions	262 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	702 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02700800020180000000
Street Address	165 BENJAMIN ST
City	SCHENECTADY
State	NY
Zip	12303-5167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 165 LPV SEC 4
Legal Subdivision	LONE PINE VILALGE SECTION 4
Legal Block	2
Legal Lot Number	18.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1000
Census Tract	14616

Owner

Source: Albany County and Guilderland Town records · APN 013089 27.08-2-18

Assessment roll updated March 17, 2026 · Last verified July 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 File
Mailing Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 05, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 05, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 04, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE
Sep 19, 2018	Deed of Trust, Mortgage · Line of Credit SEFCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 08, 1997 · Amount on Record
Deed Sale	Jul 08, 1997 · Amount on Record
Deed Book / Page	2582 / 703
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167

Mortgage

Document Number	0000001485
Date	May 05, 2022
Instrument	R2022-11485

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	322 Months
Due	Mar 01, 2049

Interest

Rate	4.25%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167

Mortgage

Document Number	0000001484
Date	May 05, 2022
Instrument	R2022-11484

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Mar 01, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Feb 04, 2019
Property Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167
Document Number	0000002490
Instrument Date	Jan 17, 2019
Instrument	2490
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 EXECUTIVE DR GUILDERLAND NY 12084, GUILDERLAND, NY 12084

Mortgage

Document Number	2491
Date	Feb 04, 2019
Instrument	2491

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 03, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	165 BENJAMIN ST, SCHENECTADY, NY 12303-5167
Document Number	0000021710
Instrument Date	Sep 19, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 BENJAMIN ST SCHENECTADY NY 123035167, SCHENECTADY, NY 12303-5167

Mortgage

Document Number	0000021710
Date	Sep 27, 2018
Instrument	21710

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Albany County and Guilderland Town records · Assessment roll updated March 17, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,000.00 (+11.82%)	$315,000 (-) Land $63,000 Building $252,000	$420,000 (+13.33%) Land $84,000 Building $336,000
2023		$315,000 (-) Land $63,000 Building $252,000	$370,588 (+7.06%) Land $74,118 Building $296,470
2022		$315,000 Land $63,000 Building $252,000	$346,154 Land $69,231 Building $276,923
2021	$8,049.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010146161, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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