22 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 22 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,543 sqft · built 1956
Lot Size	0.297 acres (12,942 sqft)
Owner	Individual Name on Record
Tax Bill	$6,038 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-2-8`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-2-8`
Alternative APNs	`308901501400020080000000` `01501400020080000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,543 sqft Living Area
1st Floor Area	1,014 sqft
Basement Area	529 sqft
Finished Basement	529 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,942 sqft (0.297 acres)
Lot Dimensions	184 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01501400020080000000
Street Address	22 TERRY AVE
City	SCHENECTADY
State	NY
Zip	12303-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 22
Legal Subdivision	MAP NO 2 FORT HUNTER ESTATES
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2009
Census Tract	14606

Owner

Source: Albany County and Guilderland Town records, as of September 23, 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 Record
Mailing Address	22 TERRY AVE, SCHENECTADY, NY 12303-4819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORP
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit SEFCU
May 4, 2018	Deed of Trust, Mortgage · Line of Credit SEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	22 TERRY AVE, SCHENECTADY, NY 12303-4819
Transaction Type	Mortgage
Record Updated	Jul 23, 2021
Title Company	LEGACY TITLE SERVICES, LEGACY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008792
Date	Jun 24, 2021
Instrument	R2021-18792

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	22 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000021735
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TERRY AVE SCHENECTADY NY 123034819, SCHENECTADY, NY 12303-4819

Mortgage

Document Number	0000021735
Date	Oct 16, 2019
Instrument	21735

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 15, 2034

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	22 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000010357
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Jun 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 TERRY AVE SCHENECTADY NY 123034819, SCHENECTADY, NY 12303-4819

Mortgage

Document Number	0000010357
Date	May 14, 2018
Instrument	10357

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 13, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Albany County and Guilderland Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Guilderland Town
Unified School District	Guilderland Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,038.00 (+0.15%)
2025	$6,029.00 (+42.26%)	$207,000 (-) Land $41,000 Building $166,000	$276,000 (+13.33%) Land $54,667 Building $221,333
2023		$207,000 (-) Land $41,000 Building $166,000	$243,529 (+7.06%) Land $48,235 Building $195,294
2022		$207,000 Land $41,000 Building $166,000	$227,473 Land $45,055 Building $182,418
2021	$4,238.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 6, 2019

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

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	Direct burnable vegetation

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 System	GUILDERLAND TOWN WD serves 30,000 people · EPA ID NY0100205
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: Hudson Valley Wireless, T-Mobile.

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