Schenectady County and Schenectady City property record for 1909 Lancaster St, Schenectady, NY 12308
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1965 |
| Lot Size | 0.159 acres (6,960 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $75,000 (Oct 1995) |
| Tax Bill | $4,614 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 40.46-1-13 |
| Primary APN | 421500 40.46-1-13 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| 1st Floor Area | 908 sqft |
| Upper Floors Area | 156 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,960 sqft (0.159 acres) |
| Lot Dimensions | 116 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 380 sqft |
| Porch | Slab |
| Porch Area | 100 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1909 LANCASTER ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12308-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 336 337 PARTS OF 1 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 13.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 20101 |
Source: Schenectady County and Schenectady City records, as of August 4, 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 | 1909 LANCASTER ST, SCHENECTADY, NY 12308-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 1995 · Amount on Record |
| Deed Sale | Oct 25, 1995 · Amount on Record |
| Deed Book / Page | 1474 / 206 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1909 LANCASTER ST, SCHENECTADY, NY 12308-1508 |
| Document Number | 0000015182 |
| Instrument Date | Mar 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1909 LANCASTER ST SCHENECTADY NY 123081508, SCHENECTADY, NY 12308-1508 |
| Document Number | 0000015182 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 004830/000214 |
| Instrument | 15182 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 9, 2033 |
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 |
|---|---|---|---|
| 2025 | $4,614.00 (+8.97%) | $111,700 (-) Land $16,800 Building $94,900 | $184,964 (+30.82%) Land $27,819 Building $157,145 |
| 2023 | $111,700 (-) Land $16,800 Building $94,900 | $141,392 (+3.8%) Land $21,266 Building $120,126 | |
| 2022 | $111,700 Land $16,800 Building $94,900 | $136,220 Land $20,488 Building $115,732 | |
| 2021 | $4,234.00 |
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 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.
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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