Albany County and Guilderland Town property record for 704 Stephens Pl, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,457 sqft · built 2000 |
| Lot Size | 0.545 acres (23,741 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jun 2000) |
| Tax Bill | $15,899 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 39.08-3-20 |
| Primary APN | 013089 39.08-3-20 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,457 sqft Living Area |
| 1st Floor Area | 1,767 sqft |
| 2nd Floor Area | 1,690 sqft |
| Basement Area | 1,767 sqft |
| Finished Basement | 1,767 sqft |
| Unfinished Basement | 1,767 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Lot Area | 23,741 sqft (0.545 acres) |
| Lot Dimensions | 208 ft deep x 114 ft wide |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 612 sqft |
| Porch | Slab |
| Porch Area | 50 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 03900800030200000000 |
|---|---|
| Street Address | 704 STEPHENS PL |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5264 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | HAVEN HILLS SEC 2 LOT 704 |
| Legal Subdivision | STEPHENS PLACE |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14616 |
Source: Albany County and Guilderland Town assessment roll, as of March 17, 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 File |
|---|---|
| Mailing Address | 704 STEPHENS PL, SCHENECTADY, NY 12303-5264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2000 · Amount on Record |
| Deed Sale | Jun 28, 2000 · Amount on Record |
| Deed Book / Page | 2659 / 63 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 704 STEPHENS PL, SCHENECTADY, NY 12303-5264 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027099 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | R2020-27099 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 |
|---|---|---|---|
| 2025 | $15,899.00 (+12.08%) | $552,000 (-) Land $110,000 Building $442,000 | $736,000 (+13.33%) Land $146,667 Building $589,333 |
| 2023 | $552,000 (-) Land $110,000 Building $442,000 | $649,412 (+7.06%) Land $129,412 Building $520,000 | |
| 2022 | $552,000 Land $110,000 Building $442,000 | $606,593 Land $120,879 Building $485,714 | |
| 2021 | $14,186.00 |
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 at the parcel |
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 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 |
5G (outdoors only) and 4G LTE
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