Schenectady County and Niskayuna Town property record for 204 Lois Ln, Schenectady, NY 12304
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,786 sqft · built 2013 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $270,000 (Dec 2018) |
| Tax Bill | $8,335 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 60.16-1-99 |
| Primary APN | 422400 60.16-1-99 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,786 sqft Living Area |
| 1st Floor Area | 1,786 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 2,614 sqft (0.06 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 118 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 204 LOIS LN |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2470 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R3 |
| Legal Block | 1 |
| Legal Lot Number | 99.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 21802 |
204 Lois Ln, a condominium, is owner-occupied and held in a trust since November 2024.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 204 LOIS LN, SCHENECTADY, NY 12304-2470 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Jan 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PREMIUM MORTGAGE CORP |
| Dec 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2018 · Amount on File |
| Deed Sale | Dec 4, 2018 · Amount on File |
| Prior Sale | Aug 6, 2014 · Amount on File |
| Deed Document Number | 201853043 |
| Deed Book / Page | 2001 / 117 |
| Last Transfer Date | Nov 26, 2024 |
| Transfer Doc | 0000072977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 204 LOIS LN, SCHENECTADY, NY 12304-2470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ABAR ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 204 LOIS LN, SCHENECTADY, NY 12304-2470 |
| Document Number | 0000000050 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 5055/225 |
| Instrument | 202100050 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Dec 4, 2018 |
| Property Address | 204 LOIS LN, SCHENECTADY, NY 12304-2470 |
| Document Number | 0000053043 |
| Book / Page | 2001 / 117 |
| Map Reference | LB 1856 PG 216 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 201853043 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | LA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 BARKLEY LN APT 166, 1, GAITHERSBURG, MD 20877-6351 |
| Name | Verified Name |
|---|---|
| Address | 65 BRENDAN LN, SCHENECTADY, NY 12309-4950 |
| Document Number | 0000053044 |
|---|---|
| Date | Dec 4, 2018 |
| Instrument | 201853044 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2048 |
The 2026 property tax bill for 204 Lois Ln was $8,335, up 3.4% from the year before.
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,335.00 (+3.36%) | ||
| 2025 | $8,064.00 | $265,000 Land $10,000 Building $255,000 | $392,600 Land $14,815 Building $377,785 |
| 2023 | $265,000 Land $10,000 Building $255,000 | $335,400 Land $12,657 Building $322,743 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Lois Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 |
| Nearby Flood Policies | 1 in force |
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 204 Lois Ln 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 98% of the US · lower than 97.9% 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 | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 112 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 |
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