172 Benjamin St, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 172 Benjamin St, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,493 sqft · built 1983
Lot Size	0.392 acres (17,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$461,500 (Aug 2022)
Tax Bill	$9,028 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013089 27.12-1-15`

Property Details

APN / Parcel Number

Primary APN	`013089 27.12-1-15`
Alternative APNs	`308902701200010150000000` `02701200010150000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,493 sqft Living Area
1st Floor Area	1,401 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	17,098 sqft (0.392 acres)
Lot Dimensions	142 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	501 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	341 sqft
Patio Area	414 sqft
Shed	1 Shed
Gazebo	242 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02701200010150000000
Street Address	172 BENJAMIN ST
City	SCHENECTADY
State	NY
Zip	12303-5134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT#172 LPV SEC 4
Legal Subdivision	LONE PINE VILLAGE
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1008
Census Tract	14616

Owner

Source: Albany County and Guilderland 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	172 BENJAMIN ST, SCHENECTADY, NY 12303-5134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Warranty Deed, Transfer · ARM SUNMARK FCU
Jul 24, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 24, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Prior Sale	Jul 24, 2017 · Amount on Record
Deed Document Number	202219778
Prior Transfer Date	Aug 17, 2001
Prior Transfer Doc	2688000832
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Aug 24, 2022
Property Address	172 BENJAMIN ST, SCHENECTADY, NY 12303-5134
Document Number	0000009778
Map Reference	MAP 5869 DR 172
Instrument Date	Aug 4, 2022
Instrument	R2022-19778
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	172 BENJAMIN ST, 172, SCHENECTADY, NY 12303-5134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 BENJAMIN ST, SCHENECTADY, NY 12303-5134

Mortgage

Document Number	0000009778
Date	Aug 24, 2022
Instrument	R2022-19778

Lender

Name	SUNMARK FCU
Type	Credit Union
Address	LATHAM, NY 12110

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	6.75%
Index	Other
Max Rate	10.7%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 24, 2017
Property Address	172 BENJAMIN ST, SCHENECTADY, NY 12303-5134
Document Number	0000007062
Map Reference	MB5869
Instrument Date	Jul 19, 2017
Instrument	R2017-17062
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3450 GARILN, SCHENECTADY, NY 12303-4824

Mortgage

Document Number	0000007064
Date	Jul 24, 2017
Instrument	R2017-17064

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 24, 2017
Property Address	172 BENJAMIN ST, SCHENECTADY, NY 12303-5134
Document Number	0000017061
Instrument Date	Jul 12, 2017
Instrument	17061
Transaction Type	Foreclosure
Record Updated	Aug 22, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Albany County and Guilderland Town assessment roll, as of March 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,028.00 (+12.16%)	$316,000 (-) Land $63,000 Building $253,000	$421,333 (+13.33%) Land $84,000 Building $337,333
2023		$316,000 (+0.32%) Land $63,000 Building $253,000	$371,765 (+7.4%) Land $74,118 Building $297,647
2022		$315,000 Land $63,000 Building $252,000	$346,154 Land $69,231 Building $276,923
2021	$8,049.00

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

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	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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