90 Willow St, Guilderland, NY 12084 Property Records

Albany County and Guilderland Town property record for 90 Willow St, Guilderland, NY 12084

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,592 sqft · built 1957
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Dec 2024)
Tax Bill	$7,003 (2026)
Deeds & Mortgages	Oct 2023 Sale Oct 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`013089 40.13-1-12`

Property Details

APN / Parcel Number

Primary APN	`013089 40.13-1-12`
Alternative APNs	`308904001300010120000000` `04001300010120000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,592 sqft Total Area
1st Floor Area	910 sqft
Upper Floors Area	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	175 ft deep x 75 ft wide
Porch	Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04001300010120000000
Street Address	90 WILLOW ST
City	GUILDERLAND
State	NY
Zip	12084-9771
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R15
Legal Description	LOT 20
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	1
Census Block	1011
Census Tract	14617

Owner

90 Willow St, a duplex, is owned by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2975 W OLD STATE RD, SCHENECTADY, NY 12303-5436
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 5, 2023	Deed, Transfer
Oct 22, 2018	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	Oct 5, 2023 · Amount on File
Deed Document Number	202421658
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ALBANY NY
Recording Date	Oct 5, 2023
Property Address	90 WILLOW ST, GUILDERLAND, NY 12084-9771
Document Number	0000007923
Instrument Date	Sep 29, 2023
Instrument	R2023-17923
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	90 WILLOW ST, GUILDERLAND, NY 12084-9771

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ALBANY NY
Property Address	90 WILLOW ST, GUILDERLAND, NY 12084-9771
Document Number	0000024410
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 WILLOW ST GUILDERLAND NY 120849771, GUILDERLAND, NY 12084-9771

Mortgage

Document Number	0000024410
Date	Nov 1, 2018
Instrument	24410

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 31, 2058

Interest

Rate	5.87%

Tax Assessment & Valuation

The 2026 property tax bill for 90 Willow St was $7,003, down 2.6% 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	$7,003.00 (-2.64%)
2025	$7,193.00	$224,000 Land $45,000 Building $179,000	$298,667 Land $60,000 Building $238,667
2023		$224,000 (-) Land $45,000 Building $179,000	$263,529 (+7.06%) Land $52,941 Building $210,588
2022		$224,000 Land $45,000 Building $179,000	$246,154 Land $49,451 Building $196,703
2021	$5,734.00

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

Flood

FEMA maps place 90 Willow St 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 90 Willow St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 115 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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