Schenectady County and Schenectady City property record for 1885 Lancaster St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,434 sqft · built 1963 |
| Lot Size | 0.206 acres (9,012 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jul 2023) |
| Tax Bill | $7,244 (2026) |
| Deeds & Mortgages | Jul 2023 Sale Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.46-1-35 |
| Primary APN | 421500 40.46-1-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,434 sqft Living Area |
| 1st Floor Area | 1,182 sqft |
| Upper Floors Area | 252 sqft |
| Basement Area | 887 sqft |
| Finished Basement | 887 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 9,012 sqft (0.206 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 651 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1885 LANCASTER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 263 262 PARTS OF 1 BRICK 0001440529 66,000 |
| Legal Block | 1 |
| Legal Lot Number | 35.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20101 |
1885 Lancaster St is owned by an individual who bought it in July 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1899 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2023 | Warranty Deed, Transfer MG TITLE SERVICES, 3G TITLE SERVICES |
| Oct 25, 2021 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 30, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Oct 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN LAND TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2023 · Amount on File |
| Deed Sale | Jul 27, 2023 · Amount on File |
| Prior Sale | Oct 22, 2018 · Amount on File |
| Deed Document Number | 202342913 |
| Deed Book / Page | 2112 / 690 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jul 27, 2023 |
| Property Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Document Number | 0000042913 |
| Book / Page | 2112 / 690 |
| Instrument Date | Jun 28, 2023 |
| Instrument | 202342913 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Title Company | MG TITLE SERVICES, 3G TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Name | Verified Name |
|---|---|
| Address | 1899 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 25, 2021 |
| Property Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Document Number | 0000053254 |
| Book / Page | 2070 / 61 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 202153254 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2021 |
| Title Company | LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 10 VIRGINIA BLVD, 10, SCHENECTADY, NY 12302-2817 |
| Name | Verified Name |
|---|---|
| Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Investor | Possibly a Property Investor |
| Document Number | 0000053255 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 202153255 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIBERTY TITLE & ESCROW CO |
| Name | Verified Name |
|---|
| Document Number | 0000004512 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 4739/431 |
| Instrument | 201704512 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 18, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Oct 22, 2018 |
| Property Address | 1885 LANCASTER ST, SCHENECTADY, NY 12308-1518 |
| Document Number | 0000046672 |
| Book / Page | 1998 / 311 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 201846672 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | AMERICAN LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1885 LANCASTER ST, 1885, SCHENECTADY, NY 12308-1518 |
| Name | Verified Name |
|---|---|
| Address | 10 VIRGINIA BLVD, SCHENECTADY, NY 12302-2817 |
| Document Number | 0000046674 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 201846674 |
| Type | Mortgage Company |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2026 property tax bill for 1885 Lancaster St was $7,244, up 1.8% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,244.00 (+1.78%) | ||
| 2025 | $7,117.00 | $144,800 Land $21,700 Building $123,100 | $239,775 Land $35,933 Building $203,842 |
| 2023 | $144,800 (-) Land $21,700 Building $123,100 | $183,291 (+3.8%) Land $27,468 Building $155,823 | |
| 2022 | $144,800 Land $21,700 Building $123,100 | $176,585 Land $26,463 Building $150,122 | |
| 2021 | $6,828.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1885 Lancaster St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| 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 risk around 1885 Lancaster St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 524 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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