Albany County and Colonie Town property record for 44 Shepard Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,742 sqft · built 2014 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $435,000 (Jan 2026) |
| Tax Bill | $6,905 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Jan 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 16.7-9-11.2 |
| Primary APN | 012689 16.7-9-11.2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,742 sqft Living Area |
| 1st Floor Area | 733 sqft |
| 2nd Floor Area | 1,009 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01600700090110020000 |
|---|---|
| Street Address | 44 SHEPARD AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 12 |
| Legal Block | 9 |
| Legal Lot Number | 11.002 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 13803 |
44 Shepard Ave is owned by two individuals who bought it in January 2026.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 239 LISHAKILL RD, SCHENECTADY, NY 12309-3221 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PREMIUM MORTGAGE CORP |
| Jan 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Apr 16, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2026 · Amount on File |
| Deed Sale | Jan 13, 2026 · Amount on File |
| Prior Sale | Jan 13, 2026 · Amount on File |
| Deed Document Number | 2026775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 44 SHEPARD AVE, SCHENECTADY, NY 12304-2516 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | MERIDIAN RESEARCH GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 10677 JEPSON ST, ORLANDO, FL 32825-6817 |
| Document Number | 0000000074 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | R2026-774 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 44 SHEPARD AVE, SCHENECTADY, NY 12304-2516 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Title Company | MERIDIAN RESEARCH GROUP LLC, MERDIAN RESEARCH GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 239 LISHAKILL RD, SCHENECTADY, NY 12309-3221 |
| Document Number | 0000000076 |
|---|---|
| Date | Jan 13, 2026 |
| Instrument | R2026-776 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 23, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 44 SHEPARD AVE, SCHENECTADY, NY 12304-2516 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 44 SHEPARD AVE, SCHENECTADY, NY 12304-2516 |
| Document Number | 0000000036 |
|---|---|
| Date | Apr 16, 2024 |
| Instrument | R2024-6036 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 44 Shepard Ave was $6,905, down 2.8% 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 | $6,905.00 (-2.81%) | ||
| 2025 | $7,105.00 | $150,000 Land $37,500 Building $112,500 | $343,200 Land $85,800 Building $257,400 |
| 2023 | $150,000 (-) Land $37,500 Building $112,500 | $294,100 (+9.31%) Land $73,525 Building $220,575 | |
| 2022 | $150,000 Land $37,500 Building $112,500 | $269,058 Land $67,264 Building $201,794 | |
| 2021 | $6,345.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 44 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 44 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 98% of the US · lower than 97.9% 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 336 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 · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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