Albany County and Colonie Town property record for 28 Concord Dr, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,781 sqft · built 1984 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Dec 2011) |
| Tax Bill | $6,626 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 7.4-1-60 |
| Primary APN | 012689 7.4-1-60 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,781 sqft Living Area |
| 1st Floor Area | 913 sqft |
| 2nd Floor Area | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 298 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00700400010600000000 |
|---|---|
| Street Address | 28 CONCORD DR |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-259A LISHAKILL E-30 S-128-87 |
| Legal Subdivision | ARBOR ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 60.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 13802 |
28 Concord Dr is owned and occupied by an individual who bought it in December 2011.
Source: Albany County and Colonie Town 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 | Individual Name on File |
|---|---|
| Mailing Address | 28 CONCORD DR, SCHENECTADY, NY 12309-3225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Aug 2, 2021 | Deed of Trust, Mortgage TRUSTCO BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2011 · Amount on File |
| Deed Sale | Dec 28, 2011 · Amount on File |
| Deed Document Number | 201155136 |
| Deed Book / Page | 3022 / 142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CONCORD DR, SCHENECTADY, NY 12309-3225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000003226 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | R2021-23226 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 23, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 28 CONCORD DR, SCHENECTADY, NY 12309-3225 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 28 CONCORD DR, SCHENECTADY, NY 12309-3225 |
| Document Number | 0000003218 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | R2021-23218 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 28 Concord Dr was $6,626 with a homeowner's exemption, up 3.8% from the year before.
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 | $6,626.00 (+3.84%) Homeowner's exemption | ||
| 2025 | $6,381.00 Homeowner's exemption | $147,000 Land $36,750 Building $110,250 | $336,400 Land $84,100 Building $252,300 |
| 2023 | $147,000 (-) Land $36,750 Building $110,250 | $288,200 (+9.3%) Land $72,050 Building $216,150 | |
| 2022 | $147,000 Land $36,750 Building $110,250 | $263,677 Land $65,919 Building $197,758 | |
| 2021 | $5,707.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Concord Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 28 Concord Dr is low, with less than 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 94% of the US · lower than 93% 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 230 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 | 980 / 880 |
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