3 Tamarack Ln, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 3 Tamarack Ln, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,800 sqft · built 1970
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Nov 2002)
Tax Bill	$10,605 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-3-48`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-3-48`
Alternative APNs	`268900700400030480000000` `00700400030480000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,800 sqft Living Area
1st Floor Area	1,240 sqft
2nd Floor Area	1,308 sqft
Upper Floors Area	252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Composition/Composite
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	620 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00700400030480000000
Street Address	3 TAMARACK LN
City	SCHENECTADY
State	NY
Zip	12309-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-9 E-7 C-19-28
Legal Block	3
Legal Lot Number	48.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2007
Census Tract	13802

Owner

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	2 Individual Names on Record
Mailing Address	3 TAMARACK LN, SCHENECTADY, NY 12309-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION
Sep 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2002 · Amount on Record
Deed Sale	Nov 26, 2002 · Amount on Record
Prior Sale	Mar 20, 1990 · Amount on Record
Deed Book / Page	2725 / 104
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3 TAMARACK LN, SCHENECTADY, NY 12309-1803
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 TAMARACK LN, SCHENECTADY, NY 12309-1803

Mortgage

Document Number	0000007255
Date	Sep 26, 2023
Instrument	R2023-17255

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3 TAMARACK LN, SCHENECTADY, NY 12309-1803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PAC ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018412
Date	Sep 6, 2019
Instrument	R2019-18412

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

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	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,605.00 (+16.59%)
2025	$9,096.00 (+4.64%)	$186,300 (-) Land $46,500 Building $139,800	$426,300 (+16.7%) Land $106,403 Building $319,897
2023		$186,300 (-) Land $46,500 Building $139,800	$365,300 (+9.32%) Land $91,178 Building $274,122
2022		$186,300 Land $46,500 Building $139,800	$334,170 Land $83,408 Building $250,762
2021	$8,693.00

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

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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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