2857 W Lydius St, Schenectady, NY 12306 Property Records

Albany County and Guilderland Town property record for 2857 W Lydius St, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,480 sqft · built 1939
Lot Size	0.955 acres (41,625 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Oct 2022)
Tax Bill	$7,951 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.13-1-5.1`

Property Details

APN / Parcel Number

Primary APN	`013089 15.13-1-5.1`
Alternative APNs	`308901501300010050010000` `01501300010050010000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
1st Floor Area	1,145 sqft
2nd Floor Area	716 sqft
Upper Floors Area	619 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	41,625 sqft (0.955 acres)
Lot Dimensions	225 ft deep x 185 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	544 sqft
Porch	Slab
Porch Area	250 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	01501300010050010000
Street Address	2857 W LYDIUS ST
City	SCHENECTADY
State	NY
Zip	12306-7008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	LANDS OF PIENIAZEK LOT 2857 2857 LYDIUS ST
Legal Block	1
Legal Lot Number	5.001
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	3
Census Block	3006
Census Tract	14606

Owner

2857 W Lydius St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROADVIEW FCU
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Apr 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage MB FINANCIAL BANK NA
Jul 17, 2015	Loan Modification, Mortgage · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Prior Sale	Sep 15, 1999 · Amount on File
Deed Document Number	202225337
Prior Transfer Date	Jan 29, 2015
Prior Transfer Doc	0031310774
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 HERITAGE RD 7, 7, GUILDERLAND, NY 12084-9658

Mortgage

Document Number	0000005338
Date	Oct 27, 2022
Instrument	R2022-25338

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	Other
Max Rate	9.12%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008

Mortgage

Document Number	0000003949
Date	Jun 2, 2022
Instrument	R2022-13949

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	May 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007616
Date	Aug 13, 2020
Instrument	R2020-17616

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Margin	3
Max Rate	8.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	PRIORITY 1 ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007141
Date	Apr 3, 2018
Instrument	R2018-07141

Lender

Name	MB FINANCIAL BANK NA
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Nov 1, 2047

July 2015: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	2857 W LYDIUS ST, SCHENECTADY, NY 12306-7008
Document Number	0000015553
Instrument Date	Jul 17, 2015
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2857 W LYDIUS ST SCHENECTADY NY 123067008, SCHENECTADY, NY 12306-7008

Mortgage

Document Number	0000015553
Date	Jul 6, 2017
Instrument	15553

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	456 Months
Due	Jul 5, 2055

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2857 W Lydius St was $7,951, down 0.2% 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	$7,951.00 (-0.16%)
2025	$7,964.00	$289,500 Land $58,000 Building $231,500	$386,000 Land $77,333 Building $308,667
2023		$289,500 Land $58,000 Building $231,500	$340,588 Land $68,235 Building $272,353

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

Flood

FEMA maps place 2857 W Lydius St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 2857 W Lydius St 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.

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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Hudson Valley Wireless, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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