Albany County and Colonie Town property record for 84 S Amherst Ave, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,916 sqft · built 1978 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $470,000 (May 2026) |
| Tax Bill | $6,431 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Nov 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012689 16.6-1-31 |
| Primary APN | 012689 16.6-1-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,916 sqft Living Area |
| 1st Floor Area | 1,458 sqft |
| Basement Area | 1,458 sqft |
| Finished Basement | 1,458 sqft |
| Unfinished Basement | 1,458 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Detached |
| Garage Area | 841 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 644 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01600600010310000000 |
|---|---|
| Street Address | 84 S AMHERST AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-4803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Description | N-AMHERST AVE E-80 S-1-40.1 |
| Legal Subdivision | SCHENECTADY GARDES |
| Legal Block | 1 |
| Legal Lot Number | 31.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | COLONIE |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 13803 |
84 S Amherst Ave is owned and occupied by an individual who bought it in May 2026.
Source: Albany County and Colonie Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 84 S AMHERST AVE, SCHENECTADY, NY 12304-4803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 26, 2026 | Deed, Transfer · Conventional Mortgage BAY VIEW FEDERAL CREDIT UNION |
| Nov 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE EMPLOYEES FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Deed Document Number | 20269794 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | May 26, 2026 |
| Property Address | 84 S AMHERST AVE, SCHENECTADY, NY 12304-4803 |
| Document Number | 0000009794 |
| Instrument Date | May 19, 2026 |
| Instrument | 20269794 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | SHAKER ABSTRACT AND TITLE LLC, SHAKER ABSTRACT & TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $189,880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 84 S AMHERST AVE, SCHENECTADY, NY 12304-4803 |
| Document Number | 0000000795, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20269795 |
| Name | BAY VIEW FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 84 S AMHERST AVE, SCHENECTADY, NY 12304-4803 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2021 |
| Name | Verified Name |
|---|---|
| Address | 84 S AMHERST AVE, SCHENECTADY, NY 12304-4803 |
| Document Number | 0000003128 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | R2021-33128 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2036 |
The 2026 property tax bill for 84 S Amherst Ave was $6,431 with a homeowner's exemption, down 1.2% from the year before.
Source: Albany County and Colonie Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Colonie Town |
| Unified School District | South Colonie Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,431.00 (-1.21%) Homeowner's exemption | ||
| 2025 | $6,510.00 Homeowner's exemption | $139,500 Land $27,900 Building $111,600 | $319,200 Land $63,840 Building $255,360 |
| 2023 | $139,500 (-) Land $27,900 Building $111,600 | $273,500 (+9.3%) Land $54,700 Building $218,800 | |
| 2022 | $139,500 Land $27,900 Building $111,600 | $250,224 Land $50,045 Building $200,179 | |
| 2021 | $5,812.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 84 S Amherst Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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 risk around 84 S Amherst Ave is low, with less than 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 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198 |
|---|---|
| Water Source | Surface water |
| Lead | 2 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 313 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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