Albany County and Colonie Town property record for 388 Vly Rd, Schenectady, NY 12309
| Property Type | Residential Vacant Land |
|---|---|
| Details | 3 bd · 1 ba · 2,286 sqft · built 1780 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Nov 2025) |
| Tax Bill | $3,001 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Construction Loan Jul 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 7.4-5-77 |
| Primary APN | 012689 7.4-5-77 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,286 sqft Living Area |
| 1st Floor Area | 1,454 sqft |
| Upper Floors Area | 208 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1780 |
|---|---|
| Effective Year Built | Effective 1780 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 33,541 sqft (0.77 acres) |
| Porch | Covered Porch |
| Porch Area | 504 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00700400050770030000 |
|---|---|
| Street Address | 388 VLY RD |
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-1925 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-394 E-VLY RD C-33-41 |
| Legal Block | 5 |
| Legal Lot Number | 77.003 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 13802 |
388 Vly Rd, residential vacant land, is owned by two individuals who bought it in November 2025.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 22321 57TH AVE, 2, OAKLAND GARDENS, NY 11364-2041 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Nov 28, 2025 | Warranty Deed, Construction Loan · Construction Mortgage TRUSTCO BANK |
| Jul 22, 2020 | Warranty Deed, Transfer A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Mar 2, 2020 | Loan Modification, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Mar 27, 2017 | Loan Modification, Mortgage · Conventional Mortgage PAMELA LAIRD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2025 · Amount on File |
| Deed Sale | Nov 28, 2025 · Amount on File |
| Prior Sale | Apr 18, 2025 · Amount on File |
| Deed Document Number | 202521676 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 28, 2025 |
| Property Address | 388 VLY RD, SCHENECTADY, NY 12309-1925 |
| Document Number | 0000001676 |
| Map Reference | DOC 14131 |
| Instrument Date | Oct 17, 2025 |
| Instrument | R2025-21676 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 17, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 GALA PL, NISKAYUNA, NY 12309-3154 |
| Name | Verified Name |
|---|---|
| Address | 22321 57TH AVE, OAKLAND GARDENS, NY 11364-2041 |
| Document Number | 0000001677 |
|---|---|
| Date | Nov 28, 2025 |
| Instrument | R2025-21677 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 367 Months |
| Due | Jun 17, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Jul 22, 2020 |
| Property Address | 388 VLY RD, NISKAYUNA, NY 12309-1925 |
| Document Number | 0000015309 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 15309 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2020 |
| Title Company | A AND G TITLE AND SETTLEMENT SERVICES, A & G TITLE & SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $1,060.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 12 WILSHIRE DR ALBANY NY 122052110, ALBANY, NY 12205-2110 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 388 VLY RD, NISKAYUNA, NY 12309-1925 |
| Document Number | 0000006990 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 388 VLY RD SCHENECTADY NY 123091925, SCHENECTADY, NY 12309-1925 |
| Document Number | 0000006990 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 6990 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 2, 2060 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 388 VLY RD, NISKAYUNA, NY 12309-1925 |
| Document Number | 0000011008 |
| Instrument Date | Mar 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 388 VLY RD NISKAYUNA NY 123091925, NISKAYUNA, NY 12309-1925 |
| Document Number | 0000011008 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 11008 |
| Name | PAMELA LAIRD |
|---|---|
| Address | SCHENECTADY, NY 12309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 14, 2022 |
The 2026 property tax bill for 388 Vly Rd was $3,001, down 31.9% 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 | Niskayuna Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,001.00 (-31.9%) | ||
| 2025 | $4,407.00 | $52,200 (-) Land $52,200 | $119,500 (+9.89%) Land $119,500 |
| 2024 | $52,200 (-) Land $52,200 | $108,750 (+6.2%) Land $108,750 | |
| 2023 | $52,200 Land $52,200 | $102,400 Land $102,400 |
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 388 Vly Rd 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 388 Vly Rd 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 | 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 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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