Albany County and Colonie Town property record for 38 Concord Dr, Schenectady, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,821 sqft · built 1983 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Sep 2022) |
| Tax Bill | $5,545 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 7.4-1-73 |
| Primary APN | 012689 7.4-1-73 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,821 sqft Living Area |
| 1st Floor Area | 1,366 sqft |
| Basement Area | 455 sqft |
| Finished Basement | 455 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 90 sqft |
| Patio Area | 300 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00700400010730000000 |
|---|---|
| Street Address | 38 CONCORD DR |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-3237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-NISK TOWN E-11 WALNUT S-128-92 |
| Legal Block | 1 |
| Legal Lot Number | 73.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 13802 |
38 Concord Dr is owned and occupied by two individuals who bought it in September 2022.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CONCORD DR, SCHENECTADY, NY 12309-3237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on File |
| Deed Sale | Sep 29, 2022 · Amount on File |
| Prior Sale | Oct 19, 1993 · Amount on File |
| Deed Document Number | 202222751 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 38 CONCORD DR, SCHENECTADY, NY 12309-3237 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 15 COMMODORE ST A, A, ALBANY, NY 12205-3023 |
| Document Number | 0000002752 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | R2022-22752 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2026 property tax bill for 38 Concord Dr was $5,545 with exemptions applied, up 5.3% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,545.00 (+5.3%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $5,266.00 Disabled Person's exemption Veteran's exemption | $143,000 Land $34,900 Building $108,100 | $327,200 Land $79,855 Building $247,345 |
| 2023 | $143,000 Land $34,900 Building $108,100 | $280,400 Land $68,433 Building $211,967 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 38 Concord Dr in Zone X, an area of minimal flood risk.
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 risk around 38 Concord Dr 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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 230 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 |
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