Albany County and Guilderland Town property record for 13 Terry Ave, Schenectady, NY 12303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1955 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Nov 2025) |
| Tax Bill | $4,696 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 013089 15.14-1-68 |
| Primary APN | 013089 15.14-1-68 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Upper Floors Area | 416 sqft |
| Game Room | Game Room |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 01501400010680000000 |
|---|---|
| Street Address | 13 TERRY AVE |
| City | SCHENECTADY |
| State | NY |
| Zip | 12303-4811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | LOT 13 FT HUNT ESTS |
| Legal Block | 1 |
| Legal Lot Number | 68.000 |
| Jurisdiction | ALBANY NY |
| Township / Civil Division | GUILDERLAND |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 14606 |
13 Terry Ave is owned and occupied by two individuals who bought it in November 2025.
Source: Albany County and Guilderland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 NY RT 146, ALTAMONT, NY 12009 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2025 · Amount on File |
| Deed Sale | Nov 28, 2025 · Amount on File |
| Deed Document Number | 202521638 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ALBANY NY |
| Recording Date | Nov 28, 2025 |
| Property Address | 13 TERRY AVE, SCHENECTADY, NY 12303-4811 |
| Document Number | 0000001638 |
| Map Reference | MAP 3371 DR 156 |
| Instrument Date | Nov 7, 2025 |
| Instrument | R2025-21638 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | PAC TITLE SERVICES LLC, PAC ABSTRACTAND SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 TERRY AVE, SCHENECTADY, NY 12303-4811 |
| Name | Verified Name |
|---|---|
| Address | 421 STATE ROUTE 146, ALTAMONT, NY 12009-4435 |
| Document Number | 0000001640 |
|---|---|
| Date | Nov 28, 2025 |
| Instrument | R2025-21640 |
| Name | CCFCU FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2026 property tax bill for 13 Terry Ave was $4,696 with exemptions applied, up 194.6% 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 | $4,696.00 (+194.6%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $1,594.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $176,000 (-) Land $35,000 Building $141,000 | $234,667 (+9.33%) Land $46,667 Building $188,000 |
| 2024 | $176,000 (-) Land $35,000 Building $141,000 | $214,634 (+3.66%) Land $42,683 Building $171,951 | |
| 2023 | $176,000 (-) Land $35,000 Building $141,000 | $207,059 (+7.06%) Land $41,177 Building $165,882 | |
| 2022 | $176,000 Land $35,000 Building $141,000 | $193,407 Land $38,462 Building $154,945 | |
| 2021 | $1,434.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Terry Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 6, 2019
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 13 Terry Ave 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 | 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 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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