90 Ash Tree Ln, Schenectady, NY 12309 Property Records

Albany County and Colonie Town property record for 90 Ash Tree Ln, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,174 sqft · built 1961
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,721 (2026)
Deeds & Mortgages	Jul 2021 Transfer Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`012689 7.4-2-48`

Property Details

APN / Parcel Number

Primary APN	`012689 7.4-2-48`
Alternative APNs	`268900700400020480000000` `00700400020480000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,174 sqft Living Area
1st Floor Area	1,932 sqft
Upper Floors Area	242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	00700400020480000000
Street Address	90 ASH TREE LN
City	SCHENECTADY
State	NY
Zip	12309-1827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	LOT 90 N-92 E-ASH TREE LA C-30-57
Legal Block	2
Legal Lot Number	48.000
Jurisdiction	ALBANY NY
Township / Civil Division	COLONIE
Census Block Group	2
Census Block	2008
Census Tract	13802

Owner

Source: Albany County and Colonie 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	2 Individual Names on Record
Mailing Address	90 ASH TREE LN, SCHENECTADY, NY 12309-1827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Intrafamily Transfer, Transfer
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEFCU
Apr 22, 2020	Loan Modification, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SCHENECTADY NY
Recording Date	Jul 13, 2021
Property Address	90 ASH TREE LN, SCHENECTADY, NY 12309-1827
Document Number	0000032791
Book / Page	2062 / 606
Instrument Date	Jun 16, 2021
Instrument	202132791
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	90 ASH TREE LN, SCHENECTADY, NY 12309-1827

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	90 ASH TREE LN, SCHENECTADY, NY 12309-1827
Document Number	0000008700
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ASH TREE LN NISKAYUNA NY 123091827, NISKAYUNA, NY 12309-1827

Mortgage

Document Number	0000008700
Date	May 7, 2020
Instrument	8700

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2035

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	90 ASH TREE LN, SCHENECTADY, NY 12309-1827
Document Number	0000008701
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	SMPR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 ASH TREE LN NISKAYUNA NY 123091827, NISKAYUNA, NY 12309-1827

Mortgage

Document Number	0000008701
Date	May 7, 2020
Instrument	8701

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

Source: Albany County and Colonie Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Colonie Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,721.00 (+24.55%) Homeowner's exemption
2025	$6,199.00 (+7.21%) Homeowner's exemption	$135,000 (-) Land $33,700 Building $101,300	$308,900 (+16.7%) Land $77,111 Building $231,789
2023		$135,000 (-) Land $33,700 Building $101,300	$264,700 (+9.31%) Land $66,077 Building $198,623
2022		$135,000 Land $33,700 Building $101,300	$242,152 Land $60,448 Building $181,704
2021	$5,782.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	LATHAM WATER DISTRICT serves 85,590 people · EPA ID NY0100198
Water Source	Surface water
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 230 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	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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