Albany County and Guilderland Town property record for 97 Okara Dr, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,719 sqft · built 1958 |
| Lot Size | 0.573 acres (24,960 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,016 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Sep 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 39.11-2-8 |
| Primary APN | 013089 39.11-2-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,719 sqft Living Area |
| 1st Floor Area | 1,719 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Lot Area | 24,960 sqft (0.573 acres) |
| Lot Dimensions | 208 ft deep x 120 ft wide |
| Garage Type | Attached |
| Garage Area | 551 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 406 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 03901100020080000000 |
|---|---|
| Street Address | 97 OKARA DR |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-5721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Legal Description | LOT A |
| Legal Block | 2 |
| Legal Lot Number | 8.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 14616 |
97 Okara Dr is owned and occupied by two individuals who acquired it in January 2008.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 16, 2021 | Deed of Trust, Mortgage · Line of Credit CORNING FCU |
| Sep 28, 2020 | Deed of Trust, Mortgage · Line of Credit FRANCIS J JR MUGRACE |
| Sep 30, 2020 | Warranty Deed, Transfer · Line of Credit FRANCIS J JR MUGRACE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 3, 2008 |
| Transfer Doc | 0029070000000865 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008173 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | R2021-08173 |
| Name | CORNING FCU |
|---|---|
| Type | Credit Union |
| Address | CORNING, NY 14830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALBANY NY |
| Property Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Document Number | 0000022071 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 13 MAITLAND ST |
| Document Number | 0000022071 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 22071 |
| Name | FRANCIS J JR MUGRACE |
|---|---|
| Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 29, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Sep 30, 2020 |
| Property Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Document Number | 0000022070 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 22070 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,160.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13 MAITLAND ST |
| Document Number | 22071 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 22071 |
| Name | FRANCIS J JR MUGRACE |
|---|---|
| Address | 97 OKARA DR, SCHENECTADY, NY 12303-5721 |
| Special Notes | Seller Financed |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 29, 2030 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 97 Okara Dr was $8,016, up 0.1% from the year before.
Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Albany County |
| County Subdivision | Guilderland Town |
| Unified School District | Guilderland Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,016.00 (+0.15%) | ||
| 2025 | $8,004.00 | $272,000 Land $54,000 Building $218,000 | $362,667 Land $72,000 Building $290,667 |
| 2023 | $272,000 (-) Land $54,000 Building $218,000 | $320,000 (+7.06%) Land $63,529 Building $256,471 | |
| 2022 | $272,000 Land $54,000 Building $218,000 | $298,901 Land $59,341 Building $239,560 | |
| 2021 | $7,136.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Okara Dr 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 | 2 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 97 Okara Dr 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 219 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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