Albany County and Guilderland Town property record for 403 Jessamine Ln, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,962 sqft · built 1998 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Dec 2022) |
| Tax Bill | $9,792 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 15.14-5-61 |
| Primary APN | 013089 15.14-5-61 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,962 sqft Living Area |
| 1st Floor Area | 1,431 sqft |
| 2nd Floor Area | 531 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Gazebo | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01501400050610000000 |
|---|---|
| Street Address | 403 JESSAMINE LN |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5087 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | PRIMROSE ESTS LOT 403 |
| Legal Subdivision | PRIMROSA ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 61.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 14616 |
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 | 403 JESSAMINE LN, SCHENECTADY, NY 12303-5087 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Dec 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on Record |
| Deed Sale | Dec 13, 2022 · Amount on Record |
| Prior Sale | Oct 8, 1998 · Amount on Record |
| Deed Document Number | 202228729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Aug 20, 2026 |
| Property Address | 403 JESSAMINE LN, SCHENECTADY, NY 12303-5087 |
| Document Number | 0000015826 |
| Instrument Date | Mar 21, 2026 |
| Instrument | 202615826 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 403 JESSAMINE LN, SCHENECTADY, NY 12303-5087 |
| Document Number | 0000015826, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 202615826 |
| Name | TRUSTCO BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 403 JESSAMINE LN, SCHENECTADY, NY 12303-5087 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2023 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 205 PRESTIGE DR, SCHENECTADY, NY 12303-5013 |
| Document Number | 0000008730 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | R2022-28730 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | 3 Years |
| Min Rate At Change | 5.12% |
| Max Rate At Change | 7.12% |
| Index | 3-Year CMT |
| Margin | 3 |
| Max Rate | 11.1% |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,792.00 (+0.28%) | ||
| 2025 | $9,765.00 (+26.95%) | $343,700 (+1.99%) Land $69,000 Building $274,700 | $458,267 (+15.59%) Land $92,000 Building $366,267 |
| 2023 | $337,000 (-) Land $67,000 Building $270,000 | $396,471 (+7.06%) Land $78,824 Building $317,647 | |
| 2022 | $337,000 Land $67,000 Building $270,000 | $370,330 Land $73,626 Building $296,704 | |
| 2021 | $7,692.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 221 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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