Schenectady County and Niskayuna Town property record for 1329 Ruffner Rd, Niskayuna, NY 12309
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,038 sqft · built 1962 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Jun 2020) |
| Tax Bill | $13,302 (2026) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 422400 50.8-1-90 |
| Primary APN | 422400 50.8-1-90 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| 1st Floor Area | 2,038 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 29,185 sqft (0.67 acres) |
| Lot Dimensions | 195 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 302 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1329 RUFFNER RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12309-2505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 1 |
| Legal Lot Number | 90.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | NISKAYUNA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 32101 |
1329 Ruffner Rd is owned and occupied by two individuals who bought it in June 2020.
Source: Schenectady County and Niskayuna Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1329 RUFFNER RD, SCHENECTADY, NY 12309-2505 |
| 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 |
|---|---|
| Jun 24, 2020 | Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Nov 5, 2018 | Deed, Transfer · ARM CAPITAL COMMUNICATIONS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on File |
| Deed Sale | Jun 24, 2020 · Amount on File |
| Prior Sale | Nov 5, 2018 · Amount on File |
| Deed Document Number | 202018172 |
| Deed Book / Page | 2036 / 951 |
| Prior Transfer Date | May 7, 2007 |
| Prior Transfer Doc | 1759000559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 24, 2020 |
| Property Address | 1329 RUFFNER RD, SCHENECTADY, NY 12309-2505 |
| Document Number | 0000018172 |
| Book / Page | 2036 / 951 |
| Instrument Date | Jun 13, 2020 |
| Instrument | 202018172 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | LEGACY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1329 RUFFNER RD, 1329, NISKAYUNA, NY 12309-2505 |
| Name | Verified Name |
|---|---|
| Address | 2082 THE PLZ, NISKAYUNA, NY 12309-5832 |
| Document Number | 0000018173 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 202018173 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 5, 2018 |
| Property Address | 1329 RUFFNER RD, SCHENECTADY, NY 12309-2505 |
| Document Number | 0000048966 |
| Book / Page | 1999 / 333 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 201848966 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Title Company | AMERICAN GUARANTY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7362 NE BAY COVE CT, 7362, BOCA RATON, FL 33487-1712 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 22 SPRING LN, FRAMINGHAM, MA 01701-3912 |
| Document Number | 0000048969 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 201848969 |
| Name | CAPITAL COMMUNICATIONS FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.75% |
The 2026 property tax bill for 1329 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 $53,100 Building $236,900 | $429,600 Land $78,661 Building $350,939 |
| 2023 | $290,000 Land $53,100 Building $236,900 | $367,100 Land $67,217 Building $299,883 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1329 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 1329 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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