7085 Suzanne Ln, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 7085 Suzanne Ln, Schenectady, NY 12303

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 984 sqft · built 1988
Lot Size	0.104 acres (4,568 sqft)
Owner	2 Trust Names on File
Last Sale	$220,000 (Jul 2021)
Tax Bill	$4,860 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 40.05-1-37.5`

Property Details

APN / Parcel Number

Primary APN	`013089 40.05-1-37.5`
Alternative APNs	`308904000500010370050000` `04000500010370050000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Other
Exterior Material	Wood
Foundation Type	Raised
Lot Area	4,568 sqft (0.104 acres)
Lot Dimensions	139 ft deep x 32.8 ft wide
Garage Type	Attached
Garage Area	288 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	04000500010370050000
Street Address	7085 SUZANNE LN
City	SCHENECTADY
State	NY
Zip	12303-5247
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	TH
Legal Description	CV SEC III-LOT 7085
Legal Subdivision	COUNTRY VILLAGE AMENDED
Legal Block	1
Legal Lot Number	37.005
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1006
Census Tract	14617

Owner

7085 Suzanne Ln, a townhouse, is owner-occupied and held in a trust since July 2021.

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU
Feb 26, 2026	Intrafamily Transfer, Transfer
Dec 10, 2020	Warranty Deed, Transfer NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO
Mar 13, 2017	Grant Deed, Transfer · Conventional Mortgage CAPITAL COMMUNICATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2021 · Amount on File
Deed Sale	Jul 15, 2021 · Amount on File
Prior Sale	Mar 13, 2017 · Amount on File
Deed Document Number	202120964
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 GUILDERLAND AVE, SCHENECTADY, NY 12306-1825

Mortgage

Document Number	0000000965
Date	Jul 15, 2021
Instrument	R2021-20965

Lender

Name	STATE EMPLOYEES FCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ALBANY NY
Recording Date	Feb 26, 2026
Property Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247
Document Number	0000000011
Map Reference	MAP 6909 DR 172
Instrument Date	Jan 22, 2026
Instrument	R2026-4011
Transaction Type	Transfer
Record Updated	Mar 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Dec 10, 2020
Property Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247
Document Number	0000029744
Instrument Date	Oct 6, 2020
Instrument	29744
Transaction Type	Transfer
Record Updated	Jan 25, 2021
Title Company	NORTHEAST TITLE COMPANY, NORTHEAST TITLE CO

Transaction

Amount	Amount on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 8531 ALBANY NY 122080531, ALBANY, NY 12208-0531

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALBANY NY
Recording Date	Mar 13, 2017
Property Address	7085 SUZANNE LN, SCHENECTADY, NY 12303-5247
Document Number	0000006290
Instrument Date	Mar 8, 2017
Instrument	6290
Transaction Type	Transfer
Record Updated	May 29, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 TRYON CT ALBANY NY 122033329, ALBANY, NY 12203-3329

Mortgage

Document Number	6291
Date	Mar 13, 2017
Instrument	6291

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Mortgage

Document Number	6292,
Date	Mar 13, 2017
Instrument	6292

Lender

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

Agreement

Amount	Amount on Record
Term	240 Months
Due	Mar 12, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 7085 Suzanne Ln was $4,860, up 0.3% from the year before.

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	$4,860.00 (+0.29%)
2025	$4,846.00	$160,000 Land $32,000 Building $128,000	$213,333 Land $42,667 Building $170,666
2023		$160,000 (-) Land $32,000 Building $128,000	$188,235 (+7.06%) Land $37,647 Building $150,588
2022		$160,000 Land $32,000 Building $128,000	$175,824 Land $35,165 Building $140,659
2021	$4,416.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7085 Suzanne Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7085 Suzanne Ln is low, with a 0.01% annual chance of 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 175 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 (outdoors only) and 4G LTE

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