28 Terry Ave, Schenectady, NY 12303 Property Records

Albany County and Guilderland Town property record for 28 Terry Ave, Schenectady, NY 12303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,666 sqft · built 1955
Lot Size	0.242 acres (10,562 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Nov 2021)
Tax Bill	$6,395 (2025)
Deeds & Mortgages	Feb 2026 Second Mortgage Nov 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`013089 15.14-2-11`

Property Details

APN / Parcel Number

Primary APN	`013089 15.14-2-11`
Alternative APNs	`308901501400020110000000` `01501400020110000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,666 sqft Living Area
1st Floor Area	1,084 sqft
Upper Floors Area	582 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,562 sqft (0.242 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	253 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	254 sqft
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01501400020110000000
Street Address	28 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 28
Legal Subdivision	MAP #2 FORT HUNTER ESTATES
Legal Block	2
Legal Lot Number	11.000
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 June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Nov 5, 2021	Warranty Deed, Transfer NEW REALTOR ABSTRACT LLC, NEW YORK ABSTRACT LLC
Jul 13, 2021	Warranty Deed, Transfer CHICAGO TITLE ALBANY, CHICAGO TITLEALBNY
Aug 5, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2021 · Amount on Record
Deed Sale	Nov 5, 2021 · Amount on Record
Prior Sale	Nov 3, 2021 · Amount on Record
Deed Document Number	202133754
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	ROCKET CLOSE LLC RESIDENTIAL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819

Mortgage

Document Number	0000000316
Date	Feb 17, 2026
Instrument	R2026-3316

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Nov 5, 2021
Property Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000003754
Instrument Date	Oct 21, 2021
Instrument	R2021-33754
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	NEW REALTOR ABSTRACT LLC, NEW YORK ABSTRACT LLC

Transaction

Amount	Amount Recorded
Tax	$1,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3056 SUNSET LN, 3056, SCHENECTADY, NY 12303-5528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Jul 13, 2021
Property Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000000689
Map Reference	MAP 3372 DR 156
Instrument Date	Jun 23, 2021
Instrument	R2021-20689
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	CHICAGO TITLE ALBANY, CHICAGO TITLEALBNY

Transaction

Amount	Amount Recorded
Tax	$1,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 JEAN PL, 11, SCHENECTADY, NY 12303-4909

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1111 EVERGREEN ST, KINGSTON, NY 12401-1017

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALBANY NY
Recording Date	Aug 5, 2019
Property Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819
Document Number	0000005717
Map Reference	MAP 3372 DR 156
Instrument Date	Jul 25, 2019
Instrument	R2019-15717
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	NEW YORK ABSTRACT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 TERRY AVE, 28, SCHENECTADY, NY 12303-4819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 TERRY AVE, SCHENECTADY, NY 12303-4819

Mortgage

Document Number	0000005718
Date	Aug 5, 2019
Instrument	R2019-15718

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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
2025	$6,395.00 (+13.95%)	$220,300 (-) Land $44,000 Building $176,300	$293,733 (+13.33%) Land $58,667 Building $235,066
2023		$220,300 (+1.99%) Land $44,000 Building $176,300	$259,176 (+9.19%) Land $51,765 Building $207,411
2022		$216,000 Land $43,000 Building $173,000	$237,363 Land $47,253 Building $190,110
2021	$5,612.00

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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