Schenectady County and Niskayuna Town property record for 1223 Ruffner Rd, Niskayuna, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,496 sqft · built 1955 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $15,352 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit Nov 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 50.12-1-3 |
| Primary APN | 422400 50.12-1-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,496 sqft Living Area |
| 1st Floor Area | 1,831 sqft |
| Upper Floors Area | 665 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 222 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 632 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 424 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1223 RUFFNER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-4614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | HAWTHORN HILL MAP #2 |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 32101 |
1223 Ruffner Rd is owner-occupied and held in a trust since December 2015.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1223 RUFFNER RD, SCHENECTADY, NY 12309-4614 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 21, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Nov 19, 2016 | Loan Modification, Consolidation and Extension, Mortgage · Line of Credit TRUSTCO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 2, 2015 |
| Transfer Doc | 1927000313 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1223 RUFFNER RD, SCHENECTADY, NY 12309-4614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1223 RUFFNER RD, NISKAYUNA, NY 12309-4614 |
| Document Number | 0000038267 |
|---|---|
| Date | Jul 21, 2022 |
| Book Page | 5242/783 |
| Instrument | 202238267 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | ALBANY, NY 12205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 11, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification, Consolidation and Extension |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 1223 RUFFNER RD, SCHENECTADY, NY 12309-4614 |
| Document Number | 0000000071 |
| Instrument Date | Nov 19, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1223 RUFFNER RD NISKAYUNA NY 123094614, NISKAYUNA, NY 12309-4614 |
| Document Number | 0000000071 |
|---|---|
| Date | Jan 3, 2017 |
| Book Page | 004733/000964 |
| Instrument | 71 |
| Name | TRUSTCO BK |
|---|---|
| Type | Bank |
| Address | GLENVILLE, NY 12302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1223 Ruffner Rd was $15,352 with a homeowner's exemption, up 0.2% 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 | $15,352.00 (+0.16%) Homeowner's exemption | ||
| 2025 | $15,328.00 | $340,000 Land $52,100 Building $287,900 | $503,700 Land $77,185 Building $426,515 |
| 2023 | $340,000 Land $52,100 Building $287,900 | $430,400 Land $65,952 Building $364,448 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1223 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 1223 Ruffner Rd 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 | 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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