Albany County and Colonie Town property record for 195 Vly Rd, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,059 sqft · built 1989 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $382,600 (Nov 2025) |
| Tax Bill | $6,374 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Feb 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.4-10-3 |
| Primary APN | 012689 17.4-10-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,059 sqft Living Area |
| 1st Floor Area | 1,257 sqft |
| Upper Floors Area | 802 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 32 sqft |
| Patio Area | 55 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700400100030000000 |
|---|---|
| Street Address | 195 VLY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | PLOT N-197 E-983 S-4-55 |
| Legal Block | 10 |
| Legal Lot Number | 3.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 13703 |
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 | 23350 COUNTY ROUTE 16, EVANS MILLS, NY 13637-4154 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION |
| Feb 23, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA |
| Nov 25, 2025 | Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on Record |
| Deed Sale | Nov 25, 2025 · Amount on Record |
| Deed Document Number | 202521471 |
| Prior Transfer Date | Oct 14, 2024 |
| Prior Transfer Doc | 0000017632 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Jul 29, 2026 |
| Property Address | 195 VLY RD, SCHENECTADY, NY 12309-2019 |
| Document Number | 0000014229 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202614229 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 195 VLY RD, SCHENECTADY, NY 12309-2019 |
| Document Number | 0000014229, |
|---|---|
| Date | Jul 29, 2026 |
| Instrument | 202614229 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 15, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 195 VLY RD, SCHENECTADY, NY 12309-2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 195 VLY RD, SCHENECTADY, NY 12309-2019 |
| Document Number | 0000000739 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | R2026-3739 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 195 VLY RD, SCHENECTADY, NY 12309-2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Title Company | GRS TITLE SERVICES LLC, 3G TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 23350 COUNTY ROUTE 16, EVANS MILLS, NY 13637-4154 |
| Document Number | 0000001472 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | R2025-21472 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,374.00 (-1.27%) | ||
| 2025 | $6,456.00 (+42.45%) | $141,300 (-) Land $35,300 Building $106,000 | $323,300 (+16.67%) Land $80,768 Building $242,532 |
| 2023 | $141,300 (-) Land $35,300 Building $106,000 | $277,100 (+9.33%) Land $69,226 Building $207,874 | |
| 2022 | $141,300 Land $35,300 Building $106,000 | $253,453 Land $63,318 Building $190,135 | |
| 2021 | $4,532.00 |
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.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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 99.1% of the US · lower than 99.2% 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 | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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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