Albany County and Colonie Town property record for 223-A Valley Rd, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 956 sqft · built 1945 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Nov 2007) |
| Tax Bill | $2,470 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.4-2-8 |
| Primary APN | 012689 17.4-2-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 956 sqft Living Area |
| 1st Floor Area | 956 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Bungalow |
| Exterior Material | Composition/Composite |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 176 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700400020080000000 |
|---|---|
| Street Address | 223-A VALLEY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | 1/2 /LOT 6 N-225 E-CEMETERY S-22-41 |
| Legal Block | 2 |
| Legal Lot Number | 8.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 13703 |
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 | 223 VLY RD, A, SCHENECTADY, NY 12309-2033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Jan 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Sep 21, 2018 | Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2007 · Amount on Record |
| Deed Sale | Nov 20, 2007 · Amount on Record |
| Prior Sale | Jun 6, 1994 · Amount on Record |
| Deed Book / Page | 2903 / 735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Aug 17, 2026 |
| Document Number | 0000015345 |
| Instrument Date | Aug 17, 2026 |
| Instrument | 202615345 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | SMPR TITLE AGENCY INC, SMPR TITLE |
| Name | Verified Name |
|---|---|
| Address | 1362 UNION ST, SCHENECTADY, NY 12308-3017 |
| Document Number | 0000015345, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 202615345 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 223-A VLY RD, SCHENECTADY, NY 12309 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Title Company | QUICKSILVA TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000000576 |
|---|---|
| Date | Jan 8, 2019 |
| Instrument | R2019-00576 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Oct 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 223-A VLY RD, SCHENECTADY, NY 12309 |
| Document Number | 0000004779 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | QUICK SILVA TITLE AND ESCROW, QUICK SILVA TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Address | 223 VLY RD SCHENECTADY NY 123092033, SCHENECTADY, NY 12309-2033 |
| Document Number | 0000004779 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 4779 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,470.00 (+194.05%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $840.00 (+14.13%) Homeowner's exemption Senior Citizen's exemption | $60,000 (-) Land $15,000 Building $45,000 | $137,300 (+16.75%) Land $34,325 Building $102,975 |
| 2023 | $60,000 (-) Land $15,000 Building $45,000 | $117,600 (+9.27%) Land $29,400 Building $88,200 | |
| 2022 | $60,000 Land $15,000 Building $45,000 | $107,623 Land $26,906 Building $80,717 | |
| 2021 | $736.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 1 (1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 143 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures