2460 River Rd, Melrose, NY 12121 Property Records

Rensselaer County and Schaghticoke Town property record for 2460 River Rd, Melrose, NY 12121

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 2007
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,785 (2025)
Deeds & Mortgages	Nov 2023 Refinance Sep 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`384289 50.-1-2.11`

Property Details

APN / Parcel Number

Primary APN	`384289 50.-1-2.11`
Alternative APN	`315J151150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	130,680 sqft (3 acres)
Lot Width	300 ft Width
Garage Type	Mixed
Garage Area	968 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	315J151150
Street Address	2460 RIVER RD
City	MELROSE
State	NY
Zip	12121-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	1
Legal Lot Number	2.011
Jurisdiction	RENSSELAER NY
Township / Civil Division	SCHAGHTICOKE
Census Block Group	3
Census Block	3046
Census Tract	51901

Owner

2460 River Rd is owned and occupied by two individuals.

Source: Rensselaer County and Schaghticoke Town records, as of May 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2460 RIVER RD, MELROSE, NY 12121-2510
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

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BROADVIEW FEDERAL CREDIT UNION
Sep 1, 2020	Loan Modification, Mortgage · Conventional with PMI TRUSTCO BK
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	2460 RIVER RD, MELROSE, NY 12121-2510
Transaction Type	Mortgage
Record Updated	Dec 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105390082
Date	Nov 15, 2023
Book Page	10539/82
Instrument	2023-635018

Lender

Name	BROADVIEW FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	RENSSELAER NY
Property Address	2460 RIVER RD, MELROSE, NY 12121-2510
Document Number	0000578128
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2460 RIVER RD MELROSE NY 121212510, MELROSE, NY 12121-2510

Mortgage

Document Number	0000578128
Date	Nov 12, 2020
Book Page	009358/000312
Instrument	578128

Lender

Name	TRUSTCO BK
Type	Bank
Address	MELROSE, NY 12121

Agreement

Type	Conventional with PMI
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RENSSELAER NY
Property Address	2460 RIVER RD, MELROSE, NY 12121-2510
Document Number	0000578127
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 RIVER RD MELROSE NY 121212510, MELROSE, NY 12121-2510

Mortgage

Document Number	0000578127
Date	Nov 12, 2020
Book Page	009358/000306
Instrument	578127

Lender

Name	TRUSTCO BK
Type	Bank
Address	GLENVILLE, NY 12302

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2460 River Rd was $5,785 with a homeowner's exemption.

Source: Rensselaer County and Schaghticoke Town assessment roll, as of May 15, 2026

Property Jurisdictions

Type	Name
State	New York
County	Rensselaer County
County Subdivision	Schaghticoke Town
Unified School District	Mechanicville City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,785.00	$44,000 Land $11,000 Building $33,000	$308,989 Land $77,247 Building $231,742
2023		$44,000 (-) Land $11,000 Building $33,000	$274,143 (+10.59%) Land $68,536 Building $205,607
2022	$2,931.00 Homeowner's exemption	$44,000 Land $11,000 Building $33,000	$247,887 Land $61,972 Building $185,915

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

Flood

FEMA maps place 2460 River Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 12, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2004–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2024 · Severe Storm And Flooding

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 2460 River 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Hudson Valley Wireless Fixed Wireless	200 / 20

May also be available: Verizon.

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