Albany County and Guilderland Town property record for 206 Benjamin St, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,552 sqft · built 1985 |
| Lot Size | 0.339 acres (14,799 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,500 (Jan 2014) |
| Tax Bill | $10,515 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit May 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 27.07-3-26 |
| Primary APN | 013089 27.07-3-26 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,552 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| 2nd Floor Area | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,799 sqft (0.339 acres) |
| Lot Dimensions | 185 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 528 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 02700700030260000000 |
|---|---|
| Street Address | 206 BENJAMIN ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT#206 LPV SEC 4 |
| Legal Block | 3 |
| Legal Lot Number | 26.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 14616 |
206 Benjamin St is owned and occupied by two individuals who bought it in January 2014.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 206 BENJAMIN ST, SCHENECTADY, NY 12303-5163 |
| 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 |
|---|---|
| Jun 27, 2023 | Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU |
| May 1, 2019 | Loan Modification, Mortgage · Conventional with PMI SEFCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2014 · Amount on File |
| Deed Sale | Jan 28, 2014 · Amount on File |
| Prior Sale | May 15, 1995 · Amount on File |
| Deed Document Number | 201411553754 |
| Deed Book / Page | 3089 / 1060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 206 BENJAMIN ST, SCHENECTADY, NY 12303-5163 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 206 BENJAMIN ST, SCHENECTADY, NY 12303-5163 |
| Document Number | 0000001266 |
|---|---|
| Date | Jun 27, 2023 |
| Instrument | R2023-11266 |
| Name | BROADVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 26, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 206 BENJAMIN ST, SCHENECTADY, NY 12303-5163 |
| Document Number | 0000009181 |
| Instrument Date | May 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 206 BENJAMIN ST SCHENECTADY NY 123035163, SCHENECTADY, NY 12303-5163 |
| Document Number | 0000009181 |
|---|---|
| Date | May 13, 2019 |
| Instrument | 9181 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 12, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
The 2026 property tax bill for 206 Benjamin St was $10,515 with a homeowner's exemption, up 4.9% from the year before.
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,515.00 (+4.88%) Homeowner's exemption | ||
| 2025 | $10,026.00 Homeowner's exemption | $370,000 Land $74,000 Building $296,000 | $493,333 Land $98,667 Building $394,666 |
| 2023 | $370,000 (-) Land $74,000 Building $296,000 | $435,294 (+7.06%) Land $87,059 Building $348,235 | |
| 2022 | $370,000 Land $74,000 Building $296,000 | $406,593 Land $81,319 Building $325,274 | |
| 2021 | $9,070.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 Benjamin St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 2 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 206 Benjamin St is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 258 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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