Albany County and Guilderland Town property record for 3480 E Lydius St, Schenectady, NY 12303 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,075 sqft Living Area |
| Lot Size | 28,125 sqft (0.645 acres) |
| Garage | Attached, 644 sqft |
| Last Sale | $630,000 (2025) |
| Tax Bill | $10,924.00 (2025) |
| Primary APN | 013089 28.00-3-7.4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,075 sqft Living Area |
| 1st Floor | 2,075 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 28,125 sqft (0.645 acres) |
| Depth X Width | 225 ft x 125 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 644 sqft Garage |
| Pool Type | In-Ground Vinyl Pool Pool Type |
| Pool Area | 512 sqft Pool |
| Porch Area | 282 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Account Number | 02800000030070040000 |
|---|---|
| Street Address | 3480 E LYDIUS ST |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-3551 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 3480 LYDIUS ST |
| Legal Subdivision | EMMETT DRIVE EXTENSION |
| Legal Block | 3 |
| Legal Lot Number | 7.004 |
| Jurisdiction | ALBANY NY |
| Minor Civil Division | GUILDERLAND |
| Census Blockgroup | 2 |
| Census Block | 2030 |
| Census Tract | 14617 |
Source: Albany County and Guilderland Town records · APN 013089 28.00-3-7.4
Assessment roll updated March 17, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2170 CURRY RD, SCHENECTADY, NY 12303-4402 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF SCOTIA |
| Nov 15, 2021 | Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU |
| Apr 17, 2020 | Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) HOMEOWNERS ADVANTAGE |
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Prior Sale | Aug 30, 2016 · Amount on Record |
| Deed Doc Number | 202523589 |
| Prior Transfer Date | Feb 06, 2019 |
| Prior Transfer Doc | 0000004175 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 3480 E LYDIUS ST, SCHENECTADY, NY 12303-3551 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2026 |
| Title Company | UNKNOWN, CATIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 2170 CURRY RD, SCHENECTADY, NY 12303-4402 |
| Document Number | 0000003590 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | R2025-23590 |
| Name | FIRST NATIONAL BANK OF SCOTIA |
|---|---|
| Type | Bank |
| Address | SCHENECTADY, NY 12302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 5.87% |
| Max Rate At Change | 7.37% |
| Index | 5-Year CMT |
| Margin | 3 |
| Max Rate | 11.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 3480 E LYDIUS ST, SCHENECTADY, NY 12303-3551 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3480 E LYDIUS ST, SCHENECTADY, NY 12303-3551 |
| Document Number | 0000004537 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | R2021-34537 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 04, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.99% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Dec 01, 2022 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | Other |
| Max Rate | 18% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 3480 E LYDIUS ST, SCHENECTADY, NY 12303-3551 |
| Document Number | 0000009020 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3480 E LYDIUS ST SCHENECTADY NY 123033551, SCHENECTADY, NY 12303-3551 |
| Document Number | 0000009020 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 9020 |
| Name | HOMEOWNERS ADVANTAGE |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 11, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 3480 E LYDIUS ST, SCHENECTADY, NY 12303-3551 |
| Document Number | 0000009019 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3480 E LYDIUS ST SCHENECTADY NY 123033551, SCHENECTADY, NY 12303-3551 |
| Document Number | 0000009019 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 9019 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 11, 2035 |
Source: Albany County and Guilderland Town records · Assessment roll updated March 17, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,924.00 (+11.82%) | $408,000 (-) Land $82,000 Building $326,000 | $544,000 (+13.33%) Land $109,333 Building $434,667 |
| 2023 | $408,000 (-) Land $82,000 Building $326,000 | $480,000 (+7.06%) Land $96,471 Building $383,529 | |
| 2022 | $408,000 Land $82,000 Building $326,000 | $448,352 Land $90,110 Building $358,242 | |
| 2021 | $9,769.00 |
Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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