19 Montery Rd, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 19 Montery Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,877 sqft · built 2001
Lot Size	0.457 acres (19,913 sqft)
Owner	2 Individual Names on Record
Last Sale	$277,513 (May 2001)
Tax Bill	$11,229 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.10-5-28`

Property Details

APN / Parcel Number

Primary APN	`013089 15.10-5-28`
Alternative APNs	`308901501000050280000000` `01501000050280000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,877 sqft Living Area
1st Floor Area	1,494 sqft
2nd Floor Area	1,383 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	19,913 sqft (0.457 acres)
Lot Dimensions	175 ft deep x 113 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	494 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01501000050280000000
Street Address	19 MONTERY RD
City	SCHENECTADY
State	NY
Zip	12303-4858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	STEVENS FARM LOT 19
Legal Block	5
Legal Lot Number	28.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2002
Census Tract	14606

Owner

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	2 Individual Names on Record
Mailing Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit ARROW AMERICAN BANK
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage SANTANDER BANK NA
Feb 3, 2017	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage SANTANDER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2001 · Amount on Record
Deed Sale	May 14, 2001 · Amount on Record
Deed Book / Page	2681 / 187
Last Transfer Date	Feb 13, 2007
Transfer Doc	0028760261
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jul 23, 2026
Property Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858
Document Number	0000013887
Instrument Date	Jun 3, 2026
Instrument	202613887
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	FRONTIER ABSTRACT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858

Mortgage

Document Number	0000013887,
Date	Jul 23, 2026
Instrument	202613887

Lender

Name	ARROW AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	ELITE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000387
Date	Jan 7, 2021
Instrument	R2021-00387

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2041

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858

Mortgage

Document Number	0000003867
Date	Feb 13, 2017
Instrument	R2017-03867

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

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

February 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	ALBANY NY
Property Address	19 MONTERY RD, SCHENECTADY, NY 12303-4858
Document Number	0000003868
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 MONTERY RD SCHENECTADY NY 123034858, SCHENECTADY, NY 12303-4858

Mortgage

Document Number	0000003868
Date	Feb 13, 2017
Instrument	3868

Lender

Name	SANTANDER BK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2047

Interest

Rate Type	Fixed Rate
Rate	3.99%

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
2026	$11,229.00
2025	$11,229.00 (+10.86%)	$396,000 (-) Land $79,000 Building $317,000	$528,000 (+13.33%) Land $105,333 Building $422,667
2023		$396,000 (-) Land $79,000 Building $317,000	$465,882 (+7.06%) Land $92,941 Building $372,941
2022		$396,000 Land $79,000 Building $317,000	$435,165 Land $86,813 Building $348,352
2021	$10,129.00

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

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 93% of the US · lower than 89% 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	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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

May also be available: Greenlight Networks, T-Mobile.

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