Albany County and Colonie Town property record for 20 Chesebro Dr, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,937 sqft · built 1971 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Apr 2021) |
| Tax Bill | $5,699 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.4-2-20 |
| Primary APN | 012689 17.4-2-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,937 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Upper Floors Area | 369 sqft |
| Game Room | Game Room |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 186 sqft |
| Patio Area | 154 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700400020200000000 |
|---|---|
| Street Address | 20 CHESEBRO DR |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-2004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-983 E-CEMETERY S-50-47 |
| Legal Subdivision | MEMORY GARDENS ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 20.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 13703 |
20 Chesebro Dr is owned and occupied by two individuals who bought it in April 2021.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CHESEBRO DR, SCHENECTADY, NY 12309-2004 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Nov 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Nov 20, 2018 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2021 · Amount on File |
| Deed Sale | Apr 8, 2021 · Amount on File |
| Prior Sale | May 9, 2008 · Amount on File |
| Deed Document Number | 202111001 |
| Prior Transfer Date | May 1, 2008 |
| Prior Transfer Doc | 2919000518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 20 CHESEBRO DR, SCHENECTADY, NY 12309-2004 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000000624 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | R2021-10624 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 20 CHESEBRO DR, SCHENECTADY, NY 12309-2004 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Title Company | WESTCOR LAND TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000005762 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | R2018-25762 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 20, 2018 |
| Property Address | 20 CHESEBRO DR, SCHENECTADY, NY 12309-2004 |
| Document Number | 0020185761 |
| Book / Page | 002018 / 025761 |
| Instrument Date | Nov 6, 2018 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 CHESEBRO DR SCHENECTADY NY 123092004, SCHENECTADY, NY 12309-2004 |
The 2026 property tax bill for 20 Chesebro Dr was $5,699, down 3.5% from the year before.
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 | $5,699.00 (-3.52%) | ||
| 2025 | $5,907.00 | $126,000 Land $31,500 Building $94,500 | $288,300 Land $72,075 Building $216,225 |
| 2023 | $126,000 (-) Land $31,500 Building $94,500 | $247,100 (+9.33%) Land $61,775 Building $185,325 | |
| 2022 | $126,000 Land $31,500 Building $94,500 | $226,009 Land $56,502 Building $169,507 | |
| 2021 | $5,375.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Chesebro Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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 File 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.
Wildfire risk around 20 Chesebro Dr 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 94% of the US · lower than 91% 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.
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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