38 Laura Ln, Schenectady, NY 12304 Property Records

Schenectady County and Niskayuna Town property record for 38 Laura Ln, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,837 sqft · built 2009
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Aug 2020)
Tax Bill	$15,958 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 60.16-1-88`

Property Details

APN / Parcel Number

Primary APN	`422400 60.16-1-88`
Alternative APN	`240006001600010880000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,837 sqft Living Area
1st Floor Area	1,517 sqft
2nd Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	188 ft deep x 167 ft wide
Garage Type	Attached
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	38 LAURA LN
City	SCHENECTADY
State	NY
Zip	12304-5409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	FIELDSTONE ESTATES PUD
Legal Block	1
Legal Lot Number	88.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	3
Census Block	3007
Census Tract	31902

Owner

38 Laura Ln is owned and occupied by two individuals who bought it in August 2020.

Source: Schenectady County and Niskayuna Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 LAURA LN, SCHENECTADY, NY 12304-5409
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on File
Deed Sale	Aug 7, 2020 · Amount on File
Prior Sale	Dec 22, 2009 · Amount on File
Deed Document Number	202023064
Deed Book / Page	2039 / 336
Prior Transfer Date	Dec 17, 2009
Prior Transfer Doc	0000053365
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 7, 2020
Property Address	38 LAURA LN, SCHENECTADY, NY 12304-5409
Document Number	0000023064
Book / Page	2039 / 336
Map Reference	CAB C SL 3555-3558
Instrument Date	Aug 5, 2020
Instrument	202023064
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 LAURA LN, 38, SCHENECTADY, NY 12304-5409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36A WATERFORD AVE, LATHAM, NY 12110-2808
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023066
Date	Aug 7, 2020
Instrument	202023066

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 38 Laura Ln was $15,958, up 3% from the year before.

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Niskayuna Town
Unified School District	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,958.00 (+3.02%)
2025	$15,490.00	$450,000 Land $63,000 Building $387,000	$666,700 Land $93,338 Building $573,362
2023		$450,000 Land $63,000 Building $387,000	$569,600 Land $79,744 Building $489,856

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

Flood

FEMA maps place 38 Laura Ln 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

Wildfire risk around 38 Laura Ln 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 95% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 305 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