40 Benjamin St, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 40 Benjamin St, Schenectady, NY 12303 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,638 sqft · built 1975
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,744 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 27.07-2-46`

Property Details

APN / Parcel Number

Primary APN	`013089 27.07-2-46`
Alternative APNs	`308902700700020460000000` `02700700020460000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
1st Floor Area	1,638 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Shed	1 Shed
Canopy	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02700700020460000000
Street Address	40 BENJAMIN ST
City	SCHENECTADY
State	NY
Zip	12303-4702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 SE
Legal Block	2
Legal Lot Number	46.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	3
Census Block	3013
Census Tract	14616

Owner

Source: Albany County and Guilderland Town records · APN 013089 27.07-2-46

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	40 BENJAMIN ST, SCHENECTADY, NY 12303-4702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	40 BENJAMIN ST, SCHENECTADY, NY 12303-4702
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012658
Date	Jun 27, 2019
Instrument	R2019-12658

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 01, 2034

Tax Assessment & Valuation

Source: Albany County and Guilderland Town records · Assessment roll updated March 17, 2026 · Last verified July 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

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	$6,744.00 (+11.84%)	$233,000 (-) Land $47,000 Building $186,000	$310,667 (+13.33%) Land $62,667 Building $248,000
2023		$233,000 (-) Land $47,000 Building $186,000	$274,118 (+7.06%) Land $55,294 Building $218,824
2022		$233,000 Land $47,000 Building $186,000	$256,044 Land $51,648 Building $204,396
2021	$6,030.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Albany County (36001C), updated March 6, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360010146163, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 258 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.