25 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 25 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,457 sqft · built 1954
Lot Size	0.246 acres (10,756 sqft)
Owner	Individual Name on File
Last Sale	$87,900 (Dec 1998)
Tax Bill	$5,662 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-1-62`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-1-62`
Alternative APNs	`308901501400010620000000` `01501400010620000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,457 sqft Living Area
1st Floor Area	1,181 sqft
Basement Area	276 sqft
Finished Basement	276 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,756 sqft (0.246 acres)
Lot Dimensions	120 ft deep x 89.6 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Patio Area	225 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	01501400010620000000
Street Address	25 TERRY AVE
City	SCHENECTADY
State	NY
Zip	12303-4817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LOT 25
Legal Subdivision	TERRY AVENUE
Legal Block	1
Legal Lot Number	62.000
Jurisdiction	ALBANY NY
Township / Civil Division	GUILDERLAND
Census Block Group	2
Census Block	2008
Census Tract	14606

Owner

25 Terry Ave is owned and occupied by an individual who acquired it in September 2014.

Source: Albany County and Guilderland Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817
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
Jun 7, 2023	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Aug 11, 2021	Deed of Trust, Mortgage · Line of Credit CAPITAL COMMUNICATIONS FCU
Jun 28, 2017	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 1998 · Amount on File
Deed Sale	Dec 2, 1998 · Amount on File
Deed Book / Page	2617 / 1029
Last Transfer Date	Sep 10, 2014
Transfer Doc	0031120735
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Jul 20, 2023
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817

Mortgage

Document Number	0000000176
Date	Jun 7, 2023
Instrument	R2023-10176

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Jan 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817

Mortgage

Document Number	0000009213
Date	Dec 27, 2021
Instrument	R2021-39213

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 17, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817

Mortgage

Document Number	0000004100
Date	Aug 11, 2021
Instrument	R2021-24100

Lender

Name	CAPITAL COMMUNICATIONS FCU
Type	Credit Union
Address	ALBANY, NY 12205

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 3, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	25 TERRY AVE, SCHENECTADY, NY 12303-4817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014852
Date	Jun 28, 2017
Instrument	R2017-14852

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 25 Terry Ave was $5,662 with exemptions applied, up 17.6% from the year before.

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	$5,662.00 (+17.57%) Homeowner's exemption Veteran's exemption
2025	$4,816.00 Homeowner's exemption Veteran's exemption	$202,000 Land $40,000 Building $162,000	$269,333 Land $53,333 Building $216,000
2023		$202,000 (-) Land $40,000 Building $162,000	$237,647 (+7.06%) Land $47,059 Building $190,588
2022		$202,000 Land $40,000 Building $162,000	$221,978 Land $43,956 Building $178,022
2021	$4,156.00

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

Flood

FEMA maps place 25 Terry Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 25 Terry Ave 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	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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