Albany County and Colonie Town property record for 281 Vly Rd, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,092 sqft · built 1954 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $234,000 (Mar 2022) |
| Tax Bill | $4,105 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Feb 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.2-2-3 |
| Primary APN | 012689 17.2-2-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Upper Floors Area | 84 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Patio Area | 224 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700200020030000000 |
|---|---|
| Street Address | 281 VLY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-1924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-VLY RD E-287 S-67-18 |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 1 |
| Census Block | 1007 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 281 VLY RD, SCHENECTADY, NY 12309-1924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2022 | Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE |
| Feb 22, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2022 · Amount on Record |
| Deed Sale | Mar 30, 2022 · Amount on Record |
| Deed Document Number | 20228550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Mar 30, 2022 |
| Property Address | 281 VLY RD, SCHENECTADY, NY 12309-1924 |
| Document Number | 0000000550 |
| Instrument Date | Mar 24, 2022 |
| Instrument | R2022-8550 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Title Company | MARATHON TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $936.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 281 VLY RD, 281, SCHENECTADY, NY 12309-1924 |
| Name | Verified Name |
|---|---|
| Address | 93 HUDSON AVE, TROY, NY 12183-1110 |
| Document Number | 0000000551 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | R2022-8551 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Feb 22, 2017 |
| Property Address | 281 VLY RD, SCHENECTADY, NY 12309-1924 |
| Document Number | 0000004568 |
| Instrument Date | Feb 22, 2017 |
| Instrument | 4568 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $584.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 642 LISHAKILL RD NISKAYUNA NY 123093130, NISKAYUNA, NY 12309-3130 |
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 | $4,105.00 (+4.06%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $3,945.00 (-6%) Disabled Person's exemption Veteran's exemption | $102,000 (-) Land $25,500 Building $76,500 | $233,400 (+16.7%) Land $58,350 Building $175,050 |
| 2023 | $102,000 (-) Land $25,500 Building $76,500 | $200,000 (+9.31%) Land $50,000 Building $150,000 | |
| 2022 | $102,000 Land $25,500 Building $76,500 | $182,960 Land $45,740 Building $137,220 | |
| 2021 | $9,862.00 |
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.
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 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 147 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 |
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