2804 W Old State Rd, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 2804 W Old State Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,922 sqft · built 2019
Lot Size	0.775 acres (33,785 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,037 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 27.00-1-50.2`

Property Details

APN / Parcel Number

Primary APN	`013089 27.00-1-50.2`
Alternative APN	`02700000010500020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,922 sqft Living Area
1st Floor Area	1,922 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	33,785 sqft (0.775 acres)
Lot Dimensions	270 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02700000010500020000
Street Address	2804 W OLD STATE RD
City	SCHENECTADY
State	NY
Zip	12303-5405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Subdivision	LOT MAJOR SUBDIVISION
Legal Block	1
Legal Lot Number	50.002
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1002
Census Tract	14606

Owner

2804 W Old State Rd is owner-occupied and held in a trust since August 2023.

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2804 W OLD STATE RD, SCHENECTADY, NY 12303-5405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SEFCU
Nov 18, 2019	Warranty Deed, Subdivision Related Transfer · Conventional with PMI SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 9, 2023
Transfer Doc	0000019086
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jun 3, 2020
Property Address	2804 W OLD STATE RD, SCHENECTADY, NY 12303-5405
Document Number	0000010290
Instrument Date	May 7, 2020
Instrument	10290
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2020
Title Company	PAC ABSTRACT LLC, PAC ABS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,662.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 HILLVIEW RD SCHENECTADY NY 123035203, SCHENECTADY, NY 12303-5203

Mortgage

Document Number	10291
Date	Jun 3, 2020
Instrument	10291

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%

November 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Nov 18, 2019
Property Address	2804 W OLD STATE RD, SCHENECTADY, NY 12303-5405
Document Number	0000024681
Instrument Date	Oct 14, 2019
Instrument	24681
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,636.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2C GRIFFIN CIR ALBANY NY 122035842, ALBANY, NY 12203-5842

Mortgage

Document Number	24682
Date	Nov 18, 2019
Instrument	24682

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2804 W Old State Rd was $11,037, up % from the year before.

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,037.00 (+0.01%)
2025	$11,036.00	$389,000 Land $77,000 Building $312,000	$518,667 Land $102,667 Building $416,000
2023		$389,000 (-) Land $77,000 Building $312,000	$457,647 (+7.06%) Land $90,588 Building $367,059
2022		$389,000 Land $77,000 Building $312,000	$427,473 Land $84,615 Building $342,858
2021	$9,358.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2804 W Old State Rd 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

Wildfire risk around 2804 W Old State Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 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
Hudson Valley Wireless Fixed Wireless	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Old State Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures