Schenectady County and Schenectady City property record for 138 Bradford Rd, Schenectady, NY 12304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1949 |
| Lot Size | 0.206 acres (9,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Mar 2025) |
| Tax Bill | $6,815 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Mar 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 421500 60.54-2-19 |
| Primary APN | 421500 60.54-2-19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Upper Floors Area | 420 sqft |
| Basement Area | 560 sqft |
| Finished Basement | 560 sqft |
| Game Room | Game Room |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,000 sqft (0.206 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 138 BRADFORD RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12304-3700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | AND PT OF 38 1 WOOD AND GAR |
| Legal Block | 2 |
| Legal Lot Number | 19.000 |
| Jurisdiction | SCHENECTADY NY |
| Township / Civil Division | SCHENECTADY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 21802 |
138 Bradford Rd is owned and occupied by an individual who bought it in March 2025.
Source: Schenectady County and Schenectady City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| 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 |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Mar 20, 2025 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 12, 2018 | Grant Deed, Transfer · FHA Mortgage RESMAC |
| Jan 9, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2025 · Amount on File |
| Deed Sale | Mar 20, 2025 · Amount on File |
| Prior Sale | Jun 12, 2018 · Amount on File |
| Deed Document Number | 20256674 |
| Deed Book / Page | 2146 / 4 |
| Prior Transfer Date | Mar 11, 2015 |
| Prior Transfer Doc | 0000025099 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Apr 21, 2026 |
| Property Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Document Number | 0000009031 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20269031 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009031, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 20269031 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Mar 20, 2025 |
| Property Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Document Number | 0000006674 |
| Map Reference | MB 10 PG 264 |
| Instrument Date | Feb 24, 2025 |
| Instrument | 202506674 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Title Company | NEWPORT ABSTRACT LLC, NEW YORK ABSTRACT LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,040.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Name | Verified Name |
|---|---|
| Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Investor | Possibly a Property Investor |
| Document Number | 0000006675 |
|---|---|
| Date | Mar 20, 2025 |
| Instrument | 202506675 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jun 12, 2018 |
| Property Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Document Number | 0000025652 |
| Book / Page | 001989 / 000201 |
| Instrument Date | Jun 7, 2018 |
| Instrument | 25652 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 921 NOTT ST SCHENECTADY NY 123082318, SCHENECTADY, NY 12308-2318 |
| Document Number | 25655 |
|---|---|
| Date | Jun 12, 2018 |
| Book Page | 004843/000247 |
| Instrument | 25655 |
| Name | RESMAC |
|---|---|
| Address | BOCA RATON, FL 33487 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Jan 9, 2018 |
| Property Address | 138 BRADFORD RD, SCHENECTADY, NY 12304-3700 |
| Document Number | 0000001233 |
| Book / Page | 001979 / 000214 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 1233 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $190.11 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7 EVERGREEN DR SARATOGA SPRINGS NY 128669145, SARATOGA SPRINGS, NY 12866-9145 |
The 2026 property tax bill for 138 Bradford Rd was $6,815, up 1.9% from the year before.
Source: Schenectady County and Schenectady City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| Municipality | Schenectady City |
| Unified School District | Schenectady City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,815.00 (+1.88%) | ||
| 2025 | $6,689.00 | $140,100 Land $21,000 Building $119,100 | $231,992 Land $34,774 Building $197,218 |
| 2023 | $140,100 (-) Land $21,000 Building $119,100 | $177,342 (+3.8%) Land $26,582 Building $150,760 | |
| 2022 | $140,100 Land $21,000 Building $119,100 | $170,854 Land $25,610 Building $145,244 | |
| 2021 | $6,440.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 138 Bradford Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 7, 2014
| 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 138 Bradford 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 97% of the US · lower than 96% 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 | SCHENECTADY CITY WATER WORKS serves 62,000 people · EPA ID NY4600070 |
|---|---|
| Water Source | Groundwater |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 514 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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