Schenectady County and Rotterdam Town property record for 16 Bluff Rd, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 1.5 Baths |
| Architecture Style | Cape Cod |
| Year Built | Built 1985 |
| Square Footage | 1,588 sqft Living Area |
| Lot Size | 47,045 sqft (1.08 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $6,738.00 (2025) |
| Primary APN | 422800 38.13-1-18 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,588 sqft Living Area |
| 1st Floor | 1,120 sqft 1st Floor |
| Upper Floors | 468 sqft Upper Floors |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 47,045 sqft (1.08 acres) |
| Depth X Width | 356 ft x 123 ft Depth x Width |
| Shed | 1 Shed |
| Patio Area | 150 sqft Patio |
| Porch Area | 312 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Septic Sewage |
| Water Source | Commercial Water Source |
| Street Address | 16 BLUFF RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-5207 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | R,SHD,DM,FP,2-ENCPR,ADD 1.-29-11 |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | SCHENECTADY NY |
| Minor Civil Division | ROTTERDAM |
| Census Blockgroup | 1 |
| Census Block | 1052 |
| Census Tract | 32602 |
Source: Schenectady County and Rotterdam Town records · APN 422800 38.13-1-18
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 21, 2022 | Deed of Trust, Mortgage · Stand Alone Second Mortgage STATE EMPLOYEES FCU |
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 20, 2019 | Grant Deed, Transfer HOME PT FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Document Number | 0000032548 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 5235/537 |
| Instrument | 202232548 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Document Number | 0000064594 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 5182/788 |
| Instrument | 202164594 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jan 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Recording Date | Nov 20, 2019 |
| Property Address | 16 BLUFF RD, SCHENECTADY, NY 12306-5207 |
| Document Number | 0000052552 |
| Book / Page | 002025 / 000055 |
| Instrument Date | Nov 12, 2019 |
| Instrument | 52552 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2019 |
| Title Company | MARKET TITLE SERVICES LLC, MARKET TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $720.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3979 ALBANY ST SCHENECTADY NY 123044304, SCHENECTADY, NY 12304-4304 |
| Document Number | 52554 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 004955/000295 |
| Instrument | 52554 |
| Name | HOME PT FIN'L |
|---|---|
| Address | PARSIPPANY, NJ 07054 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 19, 2049 |
Source: Schenectady County and Rotterdam Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Schenectady County |
| County Subdivision | Rotterdam Town |
| Unified School District | Schalmont Central School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,738.00 | $162,000 (-) Land $52,900 Building $109,100 | $249,200 (+10.76%) Land $81,375 Building $167,825 |
| 2024 | $162,000 (-) Land $52,900 Building $109,100 | $225,000 (+5.53%) Land $73,472 Building $151,528 | |
| 2023 | $162,000 Land $52,900 Building $109,100 | $213,200 Land $69,619 Building $143,581 |
Source: FEMA National Flood Hazard Layer, Schenectady County (36093C), updated January 7, 2014 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 7% of New York |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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