Albany County and Colonie Town property record for 296 Vly Rd, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,135 sqft · built 1954 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $4,825 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage Nov 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 17.2-3-20 |
| Primary APN | 012689 17.2-3-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,135 sqft Living Area |
| 1st Floor Area | 1,135 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Open Porch |
| Canopy | 192 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01700200030200000000 |
|---|---|
| Street Address | 296 VLY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-1923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | LOT 2 N-31 E-298 S-94-90 |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 13802 |
Source: Albany County and Colonie Town records, as of June 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 296 VLY RD, SCHENECTADY, NY 12309-1923 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 21, 2017 | Deed of Trust, Mortgage · ARM CAPITAL COMMUNICATIONS FCU |
| Nov 28, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 296 VLY RD, SCHENECTADY, NY 12309-1923 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000019885 |
|---|---|
| Date | Aug 21, 2017 |
| Instrument | R2017-19885 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Sep 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.87% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.87% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 28, 2017 |
| Property Address | 296 VLY RD, SCHENECTADY, NY 12309-1923 |
| Document Number | 0000028541 |
| Instrument Date | Nov 10, 2017 |
| Instrument | 28541 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 9 WOODRIDGE DR LOUDONVILLE NY 122112139, LOUDONVILLE, NY 12211-2139 |
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 |
|---|---|---|---|
| 2025 | $4,825.00 (+10.11%) | $102,500 (-) Land $25,600 Building $76,900 | $234,600 (+16.72%) Land $58,593 Building $176,007 |
| 2023 | $102,500 (-) Land $25,600 Building $76,900 | $201,000 (+9.32%) Land $50,201 Building $150,799 | |
| 2022 | $102,500 Land $25,600 Building $76,900 | $183,857 Land $45,919 Building $137,938 | |
| 2021 | $4,382.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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