Albany County and Guilderland Town property record for 2985 Nancy Ln, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,668 sqft · built 2004 |
| Lot Size | 0.267 acres (11,660 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $385,000 (Mar 2019) |
| Tax Bill | $5,243 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 15.10-2-33 |
| Primary APN | 013089 15.10-2-33 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 988 sqft |
| Upper Floors Area | 186 sqft |
| Basement Area | 494 sqft |
| Finished Basement | 494 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,660 sqft (0.267 acres) |
| Lot Dimensions | 110 ft deep x 106 ft wide |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 314 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 01501000020330000000 |
|---|---|
| Street Address | 2985 NANCY LN |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | LOT 2 LANDS OF SMJ REALT |
| Legal Subdivision | LILLIAN ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 33.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14617 |
Source: Albany County and Guilderland 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 | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Mar 29, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Mar 25, 2019 | Deed of Trust, Mortgage M&T BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2019 · Amount on Record |
| Deed Sale | Mar 27, 2019 · Amount on Record |
| Prior Sale | Feb 29, 2012 · Amount on Record |
| Deed Document Number | 20195771 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Document Number | 0000008959 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | R2022-18959 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Title Company | LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SERVICE |
| Name | Verified Name |
|---|---|
| Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Document Number | 0000004707 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | R2021-24707 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Mar 29, 2019 |
| Property Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Document Number | 0000005977 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 5977 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2985 NANCY LN SCHENECTADY NY 123034609, SCHENECTADY, NY 12303-4609 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 2985 NANCY LN, SCHENECTADY, NY 12303-4609 |
| Document Number | 0000005978 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2019 |
| Title Company | BROADWAY TITLE AGENCY LLC, BROADWAY TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 2985 NANCY LN SCHENECTADY NY 123034609, SCHENECTADY, NY 12303-4609 |
| Document Number | 0000005978 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 5978 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 28, 2049 |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Rotterdam-Mohonasen Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,243.00 (-0.17%) | ||
| 2025 | $5,252.00 (-0.02%) | $212,000 (-) Land $42,000 Building $170,000 | $282,667 (+13.33%) Land $56,000 Building $226,667 |
| 2023 | $212,000 (-) Land $42,000 Building $170,000 | $249,412 (+7.06%) Land $49,412 Building $200,000 | |
| 2022 | $212,000 Land $42,000 Building $170,000 | $232,967 Land $46,154 Building $186,813 | |
| 2021 | $5,253.00 |
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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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: FCC Broadband Data Collection, based on 268 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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