55 Shepard Ave, Schenectady, NY 12304 Property Records

Albany County and Colonie Town property record for 55 Shepard Ave, Schenectady, NY 12304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 948 sqft · built 1940
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (Dec 2013)
Tax Bill	$3,609 (2026)
Deeds & Mortgages	May 2021 Mortgage Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 16.8-2-3`

Property Details

APN / Parcel Number

Primary APN	`012689 16.8-2-3`
Alternative APNs	`268901600800020030000000` `01600800020030000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	366 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01600800020030000000
Street Address	55 SHEPARD AVE
City	SCHENECTADY
State	NY
Zip	12304-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LF EST KERR K N-SHEPARD AV E-57 S-54-24
Legal Subdivision	HOMESTEAD PARK NO 4
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2004
Census Tract	13803

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	55 SHEPARD AVE, SCHENECTADY, NY 12304-2533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jan 23, 2023	Intrafamily Transfer, Transfer
Mar 20, 2018	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2013 · Amount on Record
Deed Sale	Dec 31, 2013 · Amount on Record
Prior Sale	Sep 25, 2002 · Amount on Record
Deed Document Number	201311537703
Deed Book / Page	3087 / 553
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 SHEPARD AVE, SCHENECTADY, NY 12304-2533
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004372
Date	May 12, 2021
Instrument	R2021-14372

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	287 Months
Due	Apr 1, 2045

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBANY NY
Recording Date	Jan 23, 2023
Property Address	55 SHEPARD AVE, SCHENECTADY, NY 12304-2533
Document Number	0000000492
Map Reference	MAP 3342 DR 156
Instrument Date	Jan 10, 2023
Instrument	R2023-1492
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 CARPENTER DR, SCHENECTADY, NY 12309-3303

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	55 SHEPARD AVE, SCHENECTADY, NY 12304-2533

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	55 SHEPARD AVE, SCHENECTADY, NY 12304-2533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006114
Date	Mar 20, 2018
Instrument	R2018-06114

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 6, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	South Colonie Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,609.00 (+6.62%) Homeowner's exemption
2025	$3,385.00 (+17.21%) Homeowner's exemption	$77,000 (-) Land $19,200 Building $57,800	$176,200 (+9.84%) Land $43,936 Building $132,264
2024		$77,000 (-) Land $19,200 Building $57,800	$160,417 (+6.24%) Land $40,000 Building $120,417
2023		$77,000 (-) Land $19,200 Building $57,800	$151,000 (+9.33%) Land $37,652 Building $113,348
2022		$77,000 Land $19,200 Building $57,800	$138,117 Land $34,440 Building $103,677
2021	$2,888.00

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 · 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

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.

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 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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