21 Michael Dr, Schenectady, NY 12303 Property Records

Albany County and Colonie Town property record for 21 Michael Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,712 sqft · built 1958
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Nov 2010)
Tax Bill	$4,763 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 16.1-1-21`

Property Details

APN / Parcel Number

Primary APN	`012689 16.1-1-21`
Alternative APNs	`268901600100010210000000` `01600100010210000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,096 sqft
Upper Floors Area	616 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	654 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	01600100010210000000
Street Address	21 MICHAEL DR
City	SCHENECTADY
State	NY
Zip	12303-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 15 N-MICHAEL DR E-23 S-97-24
Legal Subdivision	MICHAEL ESTATES SUBDIVISION #1
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	4
Census Block	4006
Census Tract	13804

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	21 MICHAEL DR, SCHENECTADY, NY 12303-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage CAPITAL COMMUNICATIONS FCU
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2010 · Amount on Record
Deed Sale	Nov 5, 2010 · Amount on Record
Deed Document Number	2010762959
Deed Book / Page	2991 / 651
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	21 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 MICHAEL DR, SCHENECTADY, NY 12303-2707

Mortgage

Document Number	0000004597
Date	Nov 15, 2021
Instrument	R2021-34597

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	21 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	LECCE ARCODIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 MICHAEL TER, ALBANY, NY 12203-3805

Mortgage

Document Number	0000004596
Date	Nov 15, 2021
Instrument	R2021-34596

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

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	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,763.00 (+5.14%) Homeowner's exemption
2025	$4,530.00 (+7.52%) Homeowner's exemption	$102,500 (-) Land $20,500 Building $82,000	$234,600 (+16.72%) Land $46,920 Building $187,680
2023		$102,500 (-) Land $20,500 Building $82,000	$201,000 (+9.32%) Land $40,200 Building $160,800
2022		$102,500 Land $20,500 Building $82,000	$183,857 Land $36,771 Building $147,086
2021	$4,213.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearby Flood Claims	1 (2024)
Most Recent Claim	Mar 2024 · other causes

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	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	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 44 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

May also be available: T-Mobile.

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