Schenectady County and Niskayuna Town property record for 1177 Ruffner Rd, Niskayuna, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,077 sqft · built 1956 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Sep 2020) |
| Tax Bill | $13,302 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 50.11-2-82 |
| Primary APN | 422400 50.11-2-82 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,077 sqft Living Area |
| 1st Floor Area | 2,077 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 29,621 sqft (0.68 acres) |
| Lot Dimensions | 224 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 504 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1177 RUFFNER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | HAWTHORN HILL MAP NO 2 |
| Legal Block | 2 |
| Legal Lot Number | 82.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 32101 |
1177 Ruffner Rd is owned and occupied by an individual who bought it in September 2020.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| 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 |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FCU |
| Dec 22, 2022 | Deed of Trust, Mortgage · Line of Credit EMPOWER FCU |
| Feb 9, 2022 | Deed of Trust, Mortgage · Line of Credit EMPOWER FCU |
| Sep 22, 2020 | Deed, Transfer · Conventional Mortgage EMPOWER FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on File |
| Deed Sale | Sep 22, 2020 · Amount on File |
| Deed Document Number | 202028463 |
| Deed Book / Page | 2042 / 63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1177 FUFFNER RD, UPPER UNION, NY 12309 |
| Document Number | 0000025361 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 202525361 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 13, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Document Number | 0000067759 |
|---|---|
| Date | Dec 22, 2022 |
| Book Page | 5280/218 |
| Instrument | 202267759 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Document Number | 0000006883 |
|---|---|
| Date | Feb 9, 2022 |
| Book Page | 5199/888 |
| Instrument | 202206883 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Sep 22, 2020 |
| Property Address | 1177 RUFFNER RD, SCHENECTADY, NY 12309-4612 |
| Document Number | 0000028463 |
| Book / Page | 2042 / 63 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 202028463 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 135 DENISE DR, 135, SCHENECTADY, NY 12309-1138 |
| Name | Verified Name |
|---|---|
| Address | 1365 VAN ANTWERP RD APT 77, 77, SCHENECTADY, NY 12309-4421 |
| Document Number | 0000028470 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 5022/935 |
| Instrument | 202028470 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2050 |
The 2026 property tax bill for 1177 Ruffner Rd was $13,302, up 1.4% from the year before.
Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Niskayuna Town |
| Unified School District | Niskayuna Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,302.00 (+1.38%) | ||
| 2025 | $13,121.00 | $290,000 Land $53,400 Building $236,600 | $429,600 Land $79,106 Building $350,494 |
| 2023 | $290,000 Land $53,400 Building $236,600 | $367,100 Land $67,597 Building $299,503 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1177 Ruffner Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · 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 |
| Nearby Flood Claims | 3 (1979–1984) |
| Most Recent Claim | Feb 1984 · tidal / storm surge |
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 1177 Ruffner Rd 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 93% of the US · lower than 89% 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 | NISKAYUNA CONSOLIDATED WD #11 public/private · serves 22,287 people · EPA ID NY4600073 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 263 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 |
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