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2896 W Lydius Street, Schenectady, NY, 12303

5beds
2baths
2,404sqft
$399,970
$166price/sqft
$3,141/moest. monthly cost
$125,640/yrincome needed

About This Home

Welcome home to this spacious Colonial located in the highly sought-after Guilderland School District! Offering timeless charm and an exceptional layout, this home features beautiful hardwood floors throughout (also beneath the carpeting), creating endless potential for your personal touch. The bright kitchen is equipped with newer stainless steel appliances, while the updated bathroom adds modern appeal. Retreat to the oversized primary suite complete with a private sitting area--perfect for a home office, reading nook, or relaxing escape. Enjoy the comfort of ceiling fans throughout, along with peace of mind thanks to new windows with blinds, and new garage door and openers. Relax on the full covered front porch or take advantage of the unbeatable location, just minutes from shopping, restaurants, parks, schools, and major highways. A wonderful opportunity to own a well-maintained home in one of the Capital Region's most desirable communities!

Getting Around

3
WalkingCar-Dependent
13
TransitMinimal Transit
31
BikeSomewhat Bikeable

Schools

6/10
7/10
Farnsworth Middle SchoolGrades 6-85.2 mi
8/10
Guilderland High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1947

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Block,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Washer/Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom

  • Level: First

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Crown Molding,Eat-in Kitchen
  • Window features: Blinds,Curtain Rods,Drapes
  • Flooring: Carpet,Hardwood,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,404

Full Bathroom

  • Level: First

Full Bathroom

  • Level: Second

Heating & Cooling

  • Heating features: Electric,Forced Air,Natural Gas
  • Cooling features: Other,Window Unit(s)

Interior Area

  • Total structure area: 2,404
  • Total interior livable area: 2,404 sqft

Kitchen

  • Level: First

Primary Bathroom

  • Level: Second

Primary Bedroom

  • Level: Second

Property

Details

  • Parcel number: 013089 15.13213
  • Special condition: Standard

Features

  • Patio & porch: Covered,Front Porch
  • Exterior features: Lighting
  • Fencing: Privacy

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 8
  • Parking features: Off Street,Paved,Garage Door Opener,Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

No climate risk data available.

How This Home’s Risks Compare

FEMA Declared Disasters in Albany County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,022$24,264
Home Insurance *$156$1,872
Property Taxes $566$6,792
Electricity $397$4,767
Total$3,141$37,692
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,691/yr
40% on housing$94,230/yr
45% on housing$83,760/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: -5.7%
-5.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -4.0%
-4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 12303$173
Albany County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 12303$200
Albany County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-30Listed for sale$399,970
2004-07-14Sold$180,000

For Sale by Agent

AgentPaul A Friello
BrokerageColdwell Banker Prime Properties

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