Schenectady County and Rotterdam Town property record for 20 Bluff Rd, Schenectady, NY 12306 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1970 |
| Square Footage | 1,424 sqft Living Area |
| Lot Size | 43,560 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $143,000 (2015) |
| Tax Bill | $5,907.00 (2025) |
| Primary APN | 422800 38.13-1-17 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,424 sqft Living Area |
| 1st Floor | 1,064 sqft 1st Floor |
| Upper Floors | 360 sqft Upper Floors |
| Stories | 1 Stories |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bungalow Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 200 sqft Garage |
| Shed | 1 Shed |
| Porch Area | 200 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 | 20 BLUFF RD |
|---|---|
| City | SCHENECTADY |
| State | NY |
| Zip | 12306-5208 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 17.000 |
| 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 38.13-1-17
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 | Individual Name on File |
|---|---|
| Mailing Address | 20 BLUFF RD, SCHENECTADY, NY 12306-5208 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 20, 2015 · Amount on Record |
| Deed Sale | Apr 20, 2015 · Amount on Record |
| Prior Sale | Apr 20, 2015 · Amount on Record |
| Deed Book / Page | 1912 / 951 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SCHENECTADY NY |
| Property Address | 20 BLUFF RD, SCHENECTADY, NY 12306-5208 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 20 BLUFF RD, ROTTERDAM, NY 12306-5208 |
| Document Number | 0000040977 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 5134/372 |
| Instrument | 202140977 |
| Name | SUNMARK FCU |
|---|---|
| Type | Credit Union |
| Address | LATHAM, NY 12110 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $5,907.00 | $142,000 (-) Land $52,500 Building $89,500 | $218,500 (+16.97%) Land $80,783 Building $137,717 |
| 2023 | $142,000 Land $52,500 Building $89,500 | $186,800 Land $69,063 Building $117,737 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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