2085 Lancaster St, Schenectady, NY 12308 Property Records

Schenectady County and Schenectady City property record for 2085 Lancaster St, Schenectady, NY 12308

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,809 sqft · built 1971
Lot Size	0.201 acres (8,796 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2026)
Tax Bill	$6,209 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`421500 40.46-2-4`

Property Details

APN / Parcel Number

Primary APN	`421500 40.46-2-4`
Alternative APN	`150004004600020040000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,809 sqft Living Area
1st Floor Area	1,377 sqft
Basement Area	432 sqft
Finished Basement	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,796 sqft (0.201 acres)
Lot Dimensions	58.7 ft deep x 149 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Shed	1 Shed
Canopy	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2085 LANCASTER ST
City	SCHENECTADY
State	NY
Zip	12308-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	B SPLIT-LEVEL
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	SCHENECTADY
Census Block Group	1
Census Block	1010
Census Tract	20101

Owner

Source: Schenectady County and Schenectady City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1856 FERNDALE AVE, SCHENECTADY, NY 12306-4906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Deed Document Number	202616161
Deed Book / Page	2175 / 930
Prior Transfer Date	Jan 9, 2009
Prior Transfer Doc	1796000585
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 16, 2026
Property Address	2085 LANCASTER ST, SCHENECTADY, NY 12308-1517
Document Number	0000016161
Book / Page	2175 / 930
Instrument Date	Jul 1, 2026
Instrument	202616161
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	LEGACY TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1856 FERNDALE AVE, SCHENECTADY, NY 12306-4906

Mortgage

Document Number	0000016162,
Date	Jul 16, 2026
Instrument	202616162

Lender

Name	US MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
Municipality	Schenectady City
Unified School District	Schenectady City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,209.00 (+4.58%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption
2025	$5,937.00 (+6.63%)	$164,400 (-) Land $24,700 Building $139,700	$272,231 (+30.82%) Land $40,901 Building $231,330
2023		$164,400 (-) Land $24,700 Building $139,700	$208,101 (+3.8%) Land $31,266 Building $176,835
2022		$164,400 Land $24,700 Building $139,700	$200,488 Land $30,122 Building $170,366
2021	$5,568.00

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 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 Claims	2 (1993–1996)
Most Recent Claim	Jan 1996 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070
Water Source	Groundwater
Lead	3 ppb (2023–2025) 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 405 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