29 Michael Dr, Schenectady, NY 12303 Property Records

Albany County and Colonie Town property record for 29 Michael Dr, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,928 sqft · built 1969
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,315 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`012689 16.1-1-17`

Property Details

APN / Parcel Number

Primary APN	`012689 16.1-1-17`
Alternative APNs	`268901600100010170000000` `01600100010170000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,928 sqft Living Area
1st Floor Area	1,160 sqft
Basement Area	768 sqft
Finished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01600100010170000000
Street Address	29 MICHAEL DR
City	SCHENECTADY
State	NY
Zip	12303-2707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 11 N-MICHAEL DR E-100 S-100-11
Legal Subdivision	MICHAEL ESTATES SUBDIVISION NO 1
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	4
Census Block	4006
Census Tract	13804

Owner

Source: Albany County and Colonie Town records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 27, 2026	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 6, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 11, 2007
Transfer Doc	0028810000000629
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	REPUBLIC NATIONAL TITLE INSURANCE COMPANY, OLD REPUBLIC NATL TTL INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707

Mortgage

Document Number	0000000947
Date	Mar 27, 2026
Instrument	R2026-5947

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2055

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATL TTL INSURA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707

Mortgage

Document Number	0000000949
Date	Mar 27, 2026
Instrument	R2026-5949

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2055

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707

Mortgage

Document Number	0000000313
Date	May 8, 2023
Instrument	R2023-8313

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Transaction Type	Mortgage
Record Updated	Jun 14, 2023
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707

Mortgage

Document Number	0000000312
Date	May 8, 2023
Instrument	R2023-8312

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 6, 2017
Property Address	29 MICHAEL DR, SCHENECTADY, NY 12303-2707
Document Number	0000023995
Instrument Date	Aug 2, 2017
Instrument	23995
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	826 SALEM DR BALLSTON SPA NY 120202336, BALLSTON SPA, NY 12020-2336

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Rotterdam-Mohonasen Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,315.00	$110,000 (-) Land $22,000 Building $88,000	$251,700 (+16.69%) Land $50,340 Building $201,360
2023		$110,000 Land $22,000 Building $88,000	$215,700 Land $43,140 Building $172,560

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

Flood

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	2 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Mar 2024 · other causes

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

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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 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: T-Mobile.

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