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1316 Ruffner Rd, Niskayuna (Schenectady), NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 1316 Ruffner Rd, Niskayuna, NY 12309

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,206 sqft · built 1960
Lot Size0.48 acres (20,909 sqft)
Owner2 Individual Names on File
Last Sale$495,000 (Feb 2024)
Tax Bill$15,096 (2026)
Deeds & MortgagesFeb 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN422400 50.8-1-81

Property Details

APN / Parcel Number

Primary APN422400 50.8-1-81
Alternative APN
  • 240005000800010810000000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area3,206 sqft Living Area
1st Floor Area2,274 sqft
Upper Floors Area932 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Lot Area20,909 sqft (0.48 acres)
Lot Dimensions180 ft deep x 130 ft wide
Garage TypeAttached
Garage Area500 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area544 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1316 RUFFNER RD
CitySCHENECTADY
StateNY
Zip12309-2506
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal SubdivisionMAP #7 HAWTHORN HILL
Legal Block1
Legal Lot Number81.000
JurisdictionSCHENECTADY NY
Township / Civil DivisionNISKAYUNA
Census Block Group2
Census Block2012
Census Tract32101

Owner

1316 Ruffner Rd is owned and occupied by two individuals who bought it in February 2024.

Source: Schenectady County and Niskayuna Town records, as of September 23, 2026

Owner of Record2 Individual Names on File
Mailing Address1316 RUFFNER RD, SCHENECTADY, NY 12309-2506
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 22, 2024 · Amount on File
Deed SaleFeb 22, 2024 · Amount on File
Prior SaleSep 21, 2012 · Amount on File
Deed Document Number202411299
Deed Book / Page2126 / 74
Record UpdatedOct 29, 2026

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSCHENECTADY NY
Recording DateFeb 22, 2024
Property Address1316 RUFFNER RD, SCHENECTADY, NY 12309-2506
Document Number0000011299
Book / Page2126 / 74
Instrument DateFeb 2, 2024
Instrument202411299
Transaction TypeTransfer
Record UpdatedMar 8, 2024
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,980.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1316 RUFFNER RD, NISKAYUNA, NY 12309-2506

Transferred To (Grantee/Buyer)

NameVerified Name
Address1186 LOWELL RD, SCHENECTADY, NY 12308-2512

Mortgage

Document Number0000011300
DateFeb 22, 2024
Instrument202411300
Lender
NameFIRST NATIONAL BANK OF SCOTIA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054
Interest
Rate TypeAdjustable Rate
Rate5.78%
Type Change DateMar 1, 2029
Change FrequencyAnnually
Min Rate At Change6.28%
Max Rate At Change7.78%
Index1-Year T-Bill
Margin3
Max Rate11.7%

Tax Assessment & Valuation

The 2026 property tax bill for 1316 Ruffner Rd was $15,096, up 1.4% from the year before.

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySchenectady County
County SubdivisionNiskayuna Town
Unified School DistrictNiskayuna Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$15,096.00 (+1.4%)
2025$14,887.00$330,000 Land $46,900 Building $283,100$488,900 Land $69,483 Building $419,417
2023$330,000 Land $46,900 Building $283,100$417,700 Land $59,364 Building $358,336

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1316 Ruffner Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims2 (2011–2013)
Claims Outside the SFHA2 of 2
Most Recent ClaimMay 2013 · other causes

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

Wildfire risk around 1316 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 RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNISKAYUNA CONSOLIDATED WD #11
public/private · serves 22,287 people · EPA ID NY4600073
Water SourceGroundwater
Last State InspectionMar 2024
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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