40 Oaktree Ln, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 40 Oaktree Ln, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,414 sqft · built 1989
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jul 2000)
Tax Bill	$12,443 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-6-28`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-6-28`
Alternative APNs	`268900700400060280000000` `00700400060280000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,414 sqft Living Area
1st Floor Area	1,191 sqft
2nd Floor Area	1,223 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	620 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400060280000000
Street Address	40 OAKTREE LN
City	SCHENECTADY
State	NY
Zip	12309-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	N-OAK TREE E-36
Legal Subdivision	NISKAYYNA HILLS
Legal Block	6
Legal Lot Number	28.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2004
Census Tract	13802

Owner

Source: Albany County and Colonie 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	40 OAKTREE LN, SCHENECTADY, NY 12309-1824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2000 · Amount on Record
Deed Sale	Jul 5, 2000 · Amount on Record
Prior Sale	May 2, 1994 · Amount on Record
Deed Book / Page	2659 / 531
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	40 OAKTREE LN, SCHENECTADY, NY 12309-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006903
Date	Mar 21, 2017
Instrument	R2017-06903

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2027

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	40 OAKTREE LN, SCHENECTADY, NY 12309-1824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023541
Date	Oct 15, 2020
Instrument	R2020-23541

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,443.00 (+17.1%)
2025	$10,626.00 (+4.52%)	$219,000 (-) Land $54,700 Building $164,300	$501,100 (+16.7%) Land $125,161 Building $375,939
2023		$219,000 (-) Land $54,700 Building $164,300	$429,400 (+9.31%) Land $107,252 Building $322,148
2022		$219,000 Land $54,700 Building $164,300	$392,825 Land $98,117 Building $294,708
2021	$10,166.00

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	None beyond ember reach

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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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