7078 Suzanne Ln, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 7078 Suzanne Ln, Schenectady, NY 12303

Property Summary

Property Type	Townhouse
Details	2 bd · 1 ba · 1,032 sqft · built 1989
Lot Size	0.134 acres (5,845 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Jun 1998)
Tax Bill	$5,046 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-1-10.5`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-1-10.5`
Alternative APNs	`308904000500010100050000` `04000500010100050000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	5,845 sqft (0.134 acres)
Lot Dimensions	121 ft deep x 48.1 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04000500010100050000
Street Address	7078 SUZANNE LN
City	SCHENECTADY
State	NY
Zip	12303-5246
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TH
Legal Description	CV SEC III-LOT 7078
Legal Block	1
Legal Lot Number	10.005
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2513 HILLTOP RD, SCHENECTADY, NY 12309-2406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 1998 · Amount on Record
Deed Sale	Jun 22, 1998 · Amount on Record
Deed Book / Page	2605 / 815
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Recording Date	Jun 22, 2026
Property Address	7078 SUZANNE LN, SCHENECTADY, NY 12303-5246
Document Number	0000011496
Instrument Date	May 20, 2026
Instrument	202611496
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7078 SUZANNE LN, SCHENECTADY, NY 12303-5246

Mortgage

Document Number	0000011496,
Date	Jun 22, 2026
Instrument	202611496

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7078 SUZANNE LN, SCHENECTADY, NY 12303-5246
Document Number	0000028608
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7078 SUZANNE LN SCHENECTADY NY 123035246, SCHENECTADY, NY 12303-5246

Mortgage

Document Number	0000028608
Date	Nov 29, 2017
Instrument	28608

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 28, 2032

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	$5,046.00 (+16.32%) Homeowner's exemption Veteran's exemption
2025	$4,338.00 (+15.74%) Homeowner's exemption Veteran's exemption	$171,000 (-) Land $34,000 Building $137,000	$228,000 (+13.33%) Land $45,333 Building $182,667
2023		$171,000 (-) Land $34,000 Building $137,000	$201,176 (+7.06%) Land $40,000 Building $161,176
2022		$171,000 Land $34,000 Building $137,000	$187,912 Land $37,363 Building $150,549
2021	$3,748.00

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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