Albany County and Guilderland Town property record for 23 Michael Ter, Albany, NY 12203
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,824 sqft · built 1965 |
| Lot Size | 0.39 acres (17,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $352,500 (Sep 2025) |
| Tax Bill | $7,047 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 63.07-1-15 |
| Primary APN | 013089 63.07-1-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 768 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,000 sqft (0.39 acres) |
| Lot Dimensions | 170 ft deep x 100 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 240 sqft |
| Patio Area | 475 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 06300700010150000000 |
|---|---|
| Street Address | 23 MICHAEL TER |
| City | ALBANY |
| State | NY |
| Zip | 12203-3805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 23 |
| Legal Subdivision | MICHIGAN TERRACE |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 14609 |
23 Michael Ter is owned by an individual who bought it in September 2025.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 EASTVIEW DR, 8, WATERVLIET, NY 12189-1674 |
| 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 |
|---|---|
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES FCU |
| Sep 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on File |
| Deed Sale | Sep 29, 2025 · Amount on File |
| Deed Document Number | 202517574 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 23 MICHAEL TER, ALBANY, NY 12203-3805 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 23 MICHAEL TER, ALBANY, NY 12203-3805 |
| Investor | Possibly a Property Investor |
| Document Number | 0000004589 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | R2021-24589 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 171 Months |
| Due | Nov 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Sep 29, 2025 |
| Property Address | 23 MICHAEL TER, ALBANY, NY 12203-3805 |
| Document Number | 0000007574 |
| Map Reference | MAP 4501 DR 164 |
| Instrument Date | Sep 25, 2025 |
| Instrument | R2025-17574 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2528 PETERS LN, SCHENECTADY, NY 12309-2413 |
| Name | Verified Name |
|---|---|
| Address | 4 EASTVIEW DR APT 8, 8, WATERVLIET, NY 12189-1674 |
| Document Number | 0000007575 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | R2025-17575 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2026 property tax bill for 23 Michael Ter was $7,047, up 0.3% 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 | $7,047.00 (+0.28%) | ||
| 2025 | $7,027.00 | $242,000 (-) Land $48,000 Building $194,000 | $322,667 (+9.33%) Land $64,000 Building $258,667 |
| 2024 | $242,000 (-) Land $48,000 Building $194,000 | $295,122 (+3.66%) Land $58,537 Building $236,585 | |
| 2023 | $242,000 (-) Land $48,000 Building $194,000 | $284,706 (+7.06%) Land $56,471 Building $228,235 | |
| 2022 | $242,000 Land $48,000 Building $194,000 | $265,934 Land $52,747 Building $213,187 | |
| 2021 | $5,729.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Michael Ter in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1996.
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 | 3 in force |
| Nearby Flood Claims | 8 (1996–2011) |
| Claims Outside the SFHA | 8 of 8 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
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 23 Michael Ter 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 | 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 | 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 228 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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