6946 Suzanne Ct, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 6946 Suzanne Ct, Schenectady, NY 12303

Property Summary

Property Type	Condominium Development
Details	4 bd · 2.5 ba · 2,226 sqft · built 1999
Lot Size	0.344 acres (14,989 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Aug 2019)
Tax Bill	$10,918 (2026)
Deeds & Mortgages	May 2021 Line of Credit Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`013089 28.17-3-5`

Property Details

APN / Parcel Number

Primary APN	`013089 28.17-3-5`
Alternative APNs	`308902801700030050000000` `02801700030050000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,226 sqft Total Area
1st Floor Area	1,092 sqft
2nd Floor Area	1,134 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,989 sqft (0.344 acres)
Lot Dimensions	309 ft deep x 48.5 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	308 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	02801700030050000000
Street Address	6946 SUZANNE CT
City	SCHENECTADY
State	NY
Zip	12303-5285
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium Development
Local Zoning Code	R20
Legal Description	CV SEC II-LOT 26
Legal Subdivision	RESUB OF LOTS 26-29 & 34 COUNTY VILLAGE
Legal Block	3
Legal Lot Number	5.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1005
Census Tract	14617

Owner

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	6946 SUZANNE CT, SCHENECTADY, NY 12303-5285
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2021	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Aug 13, 2019	Deed of Trust, Mortgage · ARM CAPITAL COMMUNICATIONS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Jul 29, 2011 · Amount on Record
Deed Document Number	201916546
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	6946 SUZANNE CT, SCHENECTADY, NY 12303-5285
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004071
Date	May 10, 2021
Instrument	R2021-14071

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	6946 SUZANNE CT, SCHENECTADY, NY 12303-5285
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016391
Date	Aug 13, 2019
Instrument	R2019-16391

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5%
Index	1-Year CMT
Margin	3
Max Rate	9%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,918.00 (+0.09%)
2025	$10,908.00 (+20.49%)	$375,000 (-) Land $75,000 Building $300,000	$500,000 (+13.33%) Land $100,000 Building $400,000
2023		$375,000 (+7.76%) Land $75,000 Building $300,000	$441,176 (+15.36%) Land $88,235 Building $352,941
2022		$348,000 Land $70,000 Building $278,000	$382,418 Land $76,923 Building $305,495
2021	$9,053.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 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

Cell Coverage

5G and 4G LTE (outdoors only)

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