18 Concord Dr, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 18 Concord Dr, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,648 sqft · built 1984
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,000 (Jun 2010)
Tax Bill	$6,096 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-1-55`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-1-55`
Alternative APNs	`268900700400010550000000` `00700400010550000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,648 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	416 sqft
Finished Basement	416 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400010550000000
Street Address	18 CONCORD DR
City	SCHENECTADY
State	NY
Zip	12309-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-259A LISHAKILL E-20 S-128-82
Legal Subdivision	ARBOR ESTATES SECTION 2
Legal Block	1
Legal Lot Number	55.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	3
Census Block	3001
Census Tract	13802

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	18 CONCORD DR, SCHENECTADY, NY 12309-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2010 · Amount on Record
Deed Sale	Jun 18, 2010 · Amount on Record
Prior Sale	Sep 29, 2008 · Amount on Record
Deed Document Number	2010674712
Deed Book / Page	2981 / 387
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Aug 21, 2026
Property Address	18 CONCORD DR, SCHENECTADY, NY 12309-3225
Document Number	0000015907
Instrument Date	Aug 11, 2026
Instrument	202615907
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 CONCORD DR, SCHENECTADY, NY 12309-3225

Mortgage

Document Number	0000015907,
Date	Aug 21, 2026
Instrument	202615907

Lender

Name	TRUSTCO BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2056

Interest

Max Rate	-1%

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
2026	$6,096.00 (+3.57%) Homeowner's exemption
2025	$5,886.00 (+12.69%) Homeowner's exemption	$135,000 (-) Land $33,800 Building $101,200	$308,900 (+16.7%) Land $77,339 Building $231,561
2023		$135,000 (-) Land $33,800 Building $101,200	$264,700 (+9.31%) Land $66,273 Building $198,427
2022		$135,000 Land $33,800 Building $101,200	$242,152 Land $60,628 Building $181,524
2021	$5,223.00

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% 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 333 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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