20 Montery Rd, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 20 Montery Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,500 sqft · built 2001
Lot Size	0.306 acres (13,361 sqft)
Owner	Individual Name on Record
Last Sale	$386,000 (Jun 2007)
Tax Bill	$11,064 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.10-5-39`

Property Details

APN / Parcel Number

Primary APN	`013089 15.10-5-39`
Alternative APNs	`308901501000050390000000` `01501000050390000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,500 sqft Living Area
1st Floor Area	1,214 sqft
2nd Floor Area	1,286 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	13,361 sqft (0.306 acres)
Lot Dimensions	175 ft deep x 76.4 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	411 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01501000050390000000
Street Address	20 MONTERY RD
City	SCHENECTADY
State	NY
Zip	12303-4856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	STEVENS FARM LOT 20
Legal Subdivision	MONTREY ROAD
Legal Block	5
Legal Lot Number	39.000
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	Individual Name on Record
Mailing Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Jan 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL COMMUNICATIONS FCU
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2007 · Amount on Record
Deed Sale	Jun 7, 2007 · Amount on Record
Prior Sale	Jun 7, 2007 · Amount on Record
Deed Document Number	20079971732
Deed Book / Page	2886 / 831
Last Transfer Date	Jun 4, 2015
Transfer Doc	0031390872
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856

Mortgage

Document Number	0000000148
Date	Feb 13, 2026
Instrument	R2026-3148

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 12, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856

Mortgage

Document Number	0000002354
Date	Jan 25, 2022
Instrument	R2022-02354

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856

Mortgage

Document Number	0000002353
Date	Jan 25, 2022
Instrument	R2022-02353

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.25%
Index	1-Year CMT
Margin	2
Max Rate	9.25%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MONTERY RD, SCHENECTADY, NY 12303-4856

Mortgage

Document Number	0000000338
Date	Apr 3, 2024
Instrument	R2024-5338

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 25, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$11,064.00 (+4.61%) Homeowner's exemption
2025	$10,576.00 (+12.73%) Homeowner's exemption	$390,000 (-) Land $78,000 Building $312,000	$520,000 (+13.33%) Land $104,000 Building $416,000
2023		$390,000 (-) Land $78,000 Building $312,000	$458,824 (+7.06%) Land $91,765 Building $367,059
2022		$390,000 Land $78,000 Building $312,000	$428,571 Land $85,714 Building $342,857
2021	$9,382.00

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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