20 Concord Dr, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 20 Concord Dr, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,472 sqft · built 1984
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,000 (Jul 2009)
Tax Bill	$5,220 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-1-56`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-1-56`
Alternative APNs	`268900700400010560000000` `00700400010560000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,208 sqft
Upper Floors Area	264 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400010560000000
Street Address	20 CONCORD DR
City	SCHENECTADY
State	NY
Zip	12309-3225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	259A LISHAKILL E-22 S-128-83
Legal Subdivision	ARBOR ESTATES SECTION 2
Legal Block	1
Legal Lot Number	56.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	3
Census Block	3001
Census Tract	13802

Owner

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	20 CONCORD DR, SCHENECTADY, NY 12309-3225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU
Jan 29, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2009 · Amount on Record
Deed Sale	Jul 27, 2009 · Amount on Record
Deed Document Number	200910459958
Deed Book / Page	2954 / 448
Prior Transfer Date	Jun 22, 2007
Prior Transfer Doc	0028910942
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 CONCORD DR, SCHENECTADY, NY 12309-3225
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007174
Date	Jun 8, 2021
Instrument	R2021-17174

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 7, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 CONCORD DR, SCHENECTADY, NY 12309-3225
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002973
Date	Jan 29, 2021
Instrument	R2021-02973

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Nov 1, 2045

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,220.00 (+7.78%) Homeowner's exemption Veteran's exemption
2025	$4,843.00 (+14.49%) Homeowner's exemption Veteran's exemption	$122,000 (-) Land $30,500 Building $91,500	$279,200 (+16.72%) Land $69,800 Building $209,400
2023		$122,000 (-) Land $30,500 Building $91,500	$239,200 (+9.31%) Land $59,800 Building $179,400
2022		$122,000 Land $30,500 Building $91,500	$218,834 Land $54,708 Building $164,126
2021	$4,230.00

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 95% of the US · lower than 94% 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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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