4 Montery Rd, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 4 Montery Rd, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,557 sqft · built 2001
Lot Size	1.02 acres (44,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$441,000 (Sep 2014)
Tax Bill	$14,978 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 15.10-5-31`

Property Details

APN / Parcel Number

Primary APN	`013089 15.10-5-31`
Alternative APNs	`308901501000050310000000` `01501000050310000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,557 sqft Living Area
1st Floor Area	1,798 sqft
2nd Floor Area	1,759 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	44,548 sqft (1.02 acres)
Lot Dimensions	358 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01501000050310000000
Street Address	4 MONTERY RD
City	SCHENECTADY
State	NY
Zip	12303-4856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	STEVENS FARM LOT 4
Legal Block	5
Legal Lot Number	31.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2002
Census Tract	14606

Owner

Source: Albany County and Guilderland Town records, as of September 23, 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 Record
Mailing Address	4 MONTERY RD, SCHENECTADY, NY 12303-4856
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2014 · Amount on Record
Deed Sale	Sep 2, 2014 · Amount on Record
Prior Sale	Nov 27, 2001 · Amount on Record
Deed Document Number	201411683279
Deed Book / Page	3110 / 898
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	4 MONTERY RD, SCHENECTADY, NY 12303-4856
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MONTERY RD, SCHENECTADY, NY 12303-4856

Mortgage

Document Number	0000000518
Date	Apr 5, 2024
Instrument	R2024-5518

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 4, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	4 MONTERY RD, SCHENECTADY, NY 12303-4856
Document Number	0000025165
Instrument Date	Nov 12, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 MONTERY RD GUILDERLAND NY 12084, GUILDERLAND, NY 12084

Mortgage

Document Number	0000025165
Date	Nov 22, 2019
Instrument	25165

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.62%

Tax Assessment & Valuation

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,978.00 (+1.65%)
2025	$14,735.00 (+18.08%)	$532,500 (+7.58%) Land $107,000 Building $425,500	$710,000 (+21.92%) Land $142,667 Building $567,333
2023		$495,000 (-) Land $99,000 Building $396,000	$582,353 (+7.06%) Land $116,471 Building $465,882
2022		$495,000 Land $99,000 Building $396,000	$543,956 Land $108,791 Building $435,165
2021	$12,479.00

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

Flood

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

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.

Drinking Water

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

Water System	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Hudson Valley Wireless, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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