7048 Suzanne Ln, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 7048 Suzanne Ln, Schenectady, NY 12303

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,524 sqft · built 1992
Lot Size	0.086 acres (3,759 sqft)
Owner	Individual Name on Record
Last Sale	$299,500 (Jan 2026)
Tax Bill	$5,959 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-1-18.2`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-1-18.2`
Alternative APNs	`308904000500010180020000` `04000500010180020000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,524 sqft Living Area
1st Floor Area	539 sqft
2nd Floor Area	627 sqft
Basement Area	358 sqft
Finished Basement	358 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	3,759 sqft (0.086 acres)
Lot Dimensions	119 ft deep x 31.6 ft wide
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04000500010180020000
Street Address	7048 SUZANNE LN
City	SCHENECTADY
State	NY
Zip	12303-5241
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TH
Legal Description	CV SEC 3 - LOT 7048
Legal Subdivision	SUZANE LANE
Legal Block	1
Legal Lot Number	18.002
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	Individual Name on Record
Mailing Address	6211 HATHAWAY HOUSE, 1, ALBANY, NY 12203-4524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit BROADVIEW FCU
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Sep 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL COMMUNICATIONS FCU
Feb 25, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Oct 2, 1998 · Amount on Record
Deed Document Number	20261112
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241

Mortgage

Document Number	0000005045
Date	Aug 23, 2023
Instrument	R2023-15045

Lender

Name	BROADVIEW FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 14, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241

Mortgage

Document Number	0000008067
Date	Sep 15, 2021
Instrument	R2021-28067

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 2, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019444
Date	Sep 3, 2020
Instrument	R2020-19444

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7048 SUZANNE LN, SCHENECTADY, NY 12303-5241
Document Number	0000010873
Instrument Date	Feb 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7048 SUZANNE LN SCHENECTADY NY 123035241, SCHENECTADY, NY 12303-5241

Mortgage

Document Number	0000010873
Date	Jun 16, 2020
Instrument	10873

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 15, 2045

Interest

Rate Type	Adjustable Rate

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	$5,959.00 (-0.57%)
2025	$5,993.00 (+13.01%)	$199,000 (-) Land $40,000 Building $159,000	$265,333 (+13.33%) Land $53,333 Building $212,000
2023		$199,000 (-) Land $40,000 Building $159,000	$234,118 (+7.06%) Land $47,059 Building $187,059
2022		$199,000 Land $40,000 Building $159,000	$218,681 Land $43,956 Building $174,725
2021	$5,303.00

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	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	Direct burnable vegetation

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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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