Schenectady County and Schenectady City property record for 3075 Albany St, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,231 sqft · built 1920 |
| Lot Size | 0.318 acres (13,888 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Feb 2023) |
| Tax Bill | $5,728 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.47-1-19 |
| Primary APN | 421500 60.47-1-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,231 sqft Living Area |
| 1st Floor Area | 799 sqft |
| 2nd Floor Area | 432 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 13,888 sqft (0.318 acres) |
| Lot Dimensions | 224 ft deep x 62 ft wide |
| Porch | Slab |
| Porch Area | 510 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3075 ALBANY ST |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 25 PTS OF 2 WOOD |
| Legal Block | 1 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 21802 |
3075 Albany St is owned and occupied by an individual who bought it in February 2023.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3075 ALBANY ST, SCHENECTADY, NY 12304-3717 |
| 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.
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit BAY VIEW FEDERAL CREDIT UNION |
| Feb 15, 2023 | Bargain and Sale Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on File |
| Deed Sale | Feb 15, 2023 · Amount on File |
| Prior Sale | Feb 2, 2006 · Amount on File |
| Deed Document Number | 20239031 |
| Deed Book / Page | 2102 / 984 |
| Prior Transfer Date | Aug 15, 2005 |
| Prior Transfer Doc | 0017130155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | May 19, 2026 |
| Property Address | 3075 ALBANY ST, SCHENECTADY, NY 12304-3717 |
| Document Number | 0000011623 |
| Instrument Date | May 12, 2026 |
| Instrument | 202611623 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CSC |
| Name | Verified Name |
|---|---|
| Address | 3075 ALBANY ST, SCHENECTADY, NY 12304-3717 |
| Document Number | 0000011623, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202611623 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Feb 15, 2023 |
| Property Address | 3075 ALBANY ST, SCHENECTADY, NY 12304-3717 |
| Document Number | 0000009031 |
| Book / Page | 2102 / 984 |
| Instrument Date | Dec 23, 2022 |
| Instrument | 202309031 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 749 DRAPER AVE, SCHENECTADY, NY 12306-3041 |
| Name | Verified Name |
|---|---|
| Address | 3075 ALBANY ST, SCHENECTADY, NY 12304-3717 |
| Document Number | 0000009032 |
|---|---|
| Date | Feb 15, 2023 |
| Instrument | 202309032 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 407 Months |
| Due | Jan 1, 2057 |
The 2026 property tax bill for 3075 Albany St was $5,728, up 3% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,728.00 (+3%) | ||
| 2025 | $5,561.00 | $111,400 Land $16,700 Building $94,700 | $184,468 Land $27,654 Building $156,814 |
| 2023 | $111,400 (-) Land $16,700 Building $94,700 | $141,013 (+3.8%) Land $21,139 Building $119,874 | |
| 2022 | $111,400 Land $16,700 Building $94,700 | $135,854 Land $20,366 Building $115,488 | |
| 2021 | $5,316.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3075 Albany St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| 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 risk around 3075 Albany St is low, with less than 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 99.1% of the US · lower than 99.2% 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) 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 619 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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