2278 Pine Ridge Rd, Schenectady, NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 2278 Pine Ridge Rd, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,488 sqft · built 1968
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$184,000 (Oct 1999)
Tax Bill	$14,691 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 50.12-3-1`

Property Details

APN / Parcel Number

Primary APN	`422400 50.12-3-1`
Alternative APN	`240005001200030010000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	1,388 sqft
2nd Floor Area	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	170 ft deep x 115 ft wide
Garage Type	Basement

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	510 sqft
Porch	Slab
Porch Area	548 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2278 PINE RIDGE RD
City	SCHENECTADY
State	NY
Zip	12309-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	MAP #8 ROSENDALE ESTATES
Legal Block	3
Legal Lot Number	1.000
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	5
Census Block	5021
Census Tract	32101

Owner

2278 Pine Ridge Rd is owned and occupied by two individuals who bought it in October 1999.

Source: Schenectady County and Niskayuna Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2278 PINE RIDGE RD, SCHENECTADY, NY 12309-2612
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 1999 · Amount on File
Deed Sale	Oct 12, 1999 · Amount on File
Deed Book / Page	1565 / 356
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Recording Date	May 1, 2026
Property Address	2278 PINE RIDGE RD, SCHENECTADY, NY 12309-2612
Document Number	0000010276
Instrument Date	Apr 27, 2026
Instrument	202610276
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	EQUITY NATIONAL TITLE AND CLOSING, EQUITY NATIONAL TITLE AND CL

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2278 PINE RIDGE RD, SCHENECTADY, NY 12309-2612

Mortgage

Document Number	0000010276,
Date	May 1, 2026
Instrument	202610276

Lender

Name	DIGITAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2031

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2278 Pine Ridge Rd was $14,691, up 1.5% from the year before.

Source: Schenectady County and Niskayuna Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Schenectady County
County Subdivision	Niskayuna Town
Unified School District	Niskayuna Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,691.00 (+1.54%)
2025	$14,468.00	$335,000 Land $42,400 Building $292,600	$496,300 Land $62,815 Building $433,485
2023		$335,000 Land $42,400 Building $292,600	$424,100 Land $53,677 Building $370,423

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

Flood

FEMA maps place 2278 Pine Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

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	2 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2016 · other causes

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

Wildfire risk around 2278 Pine Ridge 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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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