3004 Morgan Ct, Schenectady, NY 12306 Property Records

Albany County and Guilderland Town property record for 3004 Morgan Ct, Schenectady, NY 12306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,269 sqft · built 1991
Lot Size	0.499 acres (21,735 sqft)
Owner	2 Individual Names on File
Tax Bill	$10,130 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.13-1-27`

Property Details

APN / Parcel Number

Primary APN	`013089 15.13-1-27`
Alternative APNs	`308901501300010270000000` `01501300010270000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,269 sqft Living Area
1st Floor Area	1,217 sqft
2nd Floor Area	1,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	21,735 sqft (0.499 acres)
Lot Dimensions	184 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	558 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01501300010270000000
Street Address	3004 MORGAN CT
City	SCHENECTADY
State	NY
Zip	12306-7002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	STONEFIELD LOT 3004
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	3
Census Block	3030
Census Tract	14606

Owner

3004 Morgan Ct is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3004 MORGAN CT, SCHENECTADY, NY 12306-7002
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
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
Jun 18, 2020	Loan Modification, Mortgage · Conventional Mortgage SEFCU
Nov 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
May 10, 2018	Deed of Trust, Mortgage · Line of Credit SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3004 MORGAN CT, SCHENECTADY, NY 12306-7002
Document Number	0000013008
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	PAC ABSTRACT LLC, PAC ABS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 MORGAN CT SCHENECTADY NY 123067002, SCHENECTADY, NY 12306-7002

Mortgage

Document Number	0000013008
Date	Jul 1, 2020
Instrument	13008

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	3004 MORGAN CT, SCHENECTADY, NY 12306-7002
Document Number	0000013009
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	AMP ABSTRCT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 MORGAN CT SCHENECTADY NY 123067002, SCHENECTADY, NY 12306-7002

Mortgage

Document Number	0000013009
Date	Jul 1, 2020
Instrument	13009

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3004 MORGAN CT, SCHENECTADY, NY 12306-7002
Document Number	0000025935
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 MORGAN CT SCHENECTADY NY 123067002, SCHENECTADY, NY 12306-7002

Mortgage

Document Number	0000025935
Date	Nov 21, 2018
Instrument	25935

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	3004 MORGAN CT, SCHENECTADY, NY 12306-7002
Document Number	0000010819
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3004 MORGAN CT SCHENECTADY NY 123067002, SCHENECTADY, NY 12306-7002

Mortgage

Document Number	0000010819
Date	May 18, 2018
Instrument	10819

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 17, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3004 Morgan Ct was $10,130 with a homeowner's exemption, up 4.1% 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	$10,130.00 (+4.06%) Homeowner's exemption
2025	$9,735.00 Homeowner's exemption	$356,000 Land $71,000 Building $285,000	$474,667 Land $94,667 Building $380,000
2023		$356,000 (-) Land $71,000 Building $285,000	$418,824 (+7.06%) Land $83,530 Building $335,294
2022		$356,000 Land $71,000 Building $285,000	$391,209 Land $78,022 Building $313,187
2021	$8,545.00

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

Flood

FEMA maps place 3004 Morgan Ct 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 3004 Morgan Ct 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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