Albany County and Colonie Town property record for 43 Shepard Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1940 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,880 (2026) |
| Deeds & Mortgages | Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 16.7-9-12 |
| Primary APN | 012689 16.7-9-12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Upper Floors Area | 156 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Canopy | 21 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01600700090120000000 |
|---|---|
| Street Address | 43 SHEPARD AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 12 |
| Legal Description | LOTS 129-131LFEST BOISVER N-SHEPARD AV E-HIGHLAND T S-10-56.9 |
| Legal Block | 9 |
| Legal Lot Number | 12.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 13803 |
43 Shepard Ave is owned and occupied by an individual.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 43 SHEPARD AVE, SCHENECTADY, NY 12304-2517 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 43 SHEPARD AVE, SCHENECTADY, NY 12304-2517 |
| Document Number | 0000013191 |
| Instrument Date | Jun 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2018 |
| Name | Verified Name |
|---|---|
| Address | 43 SHEPARD AVE SCHENECTADY NY 123042517, SCHENECTADY, NY 12304-2517 |
| Document Number | 0000013191 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 13191 |
| Name | SEFCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 17, 2023 |
The 2026 property tax bill for 43 Shepard Ave was $3,880 with a homeowner's exemption, up 6.2% 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 | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,880.00 (+6.19%) Homeowner's exemption | ||
| 2025 | $3,654.00 Homeowner's exemption | $83,000 Land $20,700 Building $62,300 | $189,900 Land $47,361 Building $142,539 |
| 2023 | $83,000 (-) Land $20,700 Building $62,300 | $162,700 (+9.28%) Land $40,577 Building $122,123 | |
| 2022 | $83,000 Land $20,700 Building $62,300 | $148,879 Land $37,130 Building $111,749 | |
| 2021 | $3,130.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Shepard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Mar 2024 · other causes |
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.
Wildfire risk around 43 Shepard Ave is low, with less than 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
May also be available: T-Mobile.
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