Albany County and Guilderland Town property record for 187 Benjamin St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,952 sqft · built 1983 |
| Lot Size | 0.401 acres (17,467 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Aug 2013) |
| Tax Bill | $9,905 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit May 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 27.12-1-20 |
| Primary APN | 013089 27.12-1-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 936 sqft |
| 2nd Floor Area | 1,016 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,467 sqft (0.401 acres) |
| Lot Dimensions | 194 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02701200010200000000 |
|---|---|
| Street Address | 187 BENJAMIN ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 187 LPV SEC 4 |
| Legal Subdivision | BENJAMIN STREET |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 14616 |
Source: Albany County and Guilderland 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 | Individual Name on Record |
|---|---|
| Mailing Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| May 7, 2019 | Loan Modification, Mortgage · Conventional with PMI M&T BK |
| May 17, 2019 | Bargain and Sale Deed, Transfer · Conventional Mortgage M & T BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2013 · Amount on Record |
| Deed Sale | Aug 14, 2013 · Amount on Record |
| Prior Sale | Dec 6, 2005 · Amount on Record |
| Deed Document Number | 201311455921 |
| Deed Book / Page | 3074 / 882 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Document Number | 0000002484 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | R2025-22484 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 14, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Document Number | 0000009520 |
| Instrument Date | May 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 187 BENJAMIN ST SCHENECTADY NY 123035167, SCHENECTADY, NY 12303-5167 |
| Document Number | 0000009520 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 9520 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | May 17, 2019 |
| Property Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Document Number | 0000009518 |
| Map Reference | MAP 5869 DR 172 |
| Instrument Date | May 7, 2019 |
| Instrument | R2019-09518 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1971 WESTERN AVE, 1971, ALBANY, NY 12203-5066 |
| Name | Verified Name |
|---|---|
| Address | 187 BENJAMIN ST, SCHENECTADY, NY 12303-5167 |
| Document Number | 0000009519 |
|---|---|
| Date | May 17, 2019 |
| Instrument | R2019-09519 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,905.00 (+4.36%) Homeowner's exemption | ||
| 2025 | $9,491.00 (+13.41%) Homeowner's exemption | $347,800 (+0.81%) Land $70,000 Building $277,800 | $463,733 (+14.25%) Land $93,333 Building $370,400 |
| 2023 | $345,000 (-) Land $69,000 Building $276,000 | $405,882 (+7.06%) Land $81,176 Building $324,706 | |
| 2022 | $345,000 Land $69,000 Building $276,000 | $379,121 Land $75,824 Building $303,297 | |
| 2021 | $8,369.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
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 |
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