2938 River Rd, Schenectady, NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 2938 River Rd, Schenectady, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,324 sqft · built 1954
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$301,000 (Jun 2017)
Tax Bill	$12,018 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 51.-1-10.2`

Property Details

APN / Parcel Number

Primary APN	`422400 51.-1-10.2`
Alternative APN	`240005100000010100020000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,324 sqft Living Area
1st Floor Area	1,328 sqft
Upper Floors Area	996 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	36,155 sqft (0.83 acres)
Lot Dimensions	302 ft deep x 119 ft wide
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	396 sqft
Shed	1 Shed
Shed Area	504 sqft
Canopy	324 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2938 RIVER RD
City	SCHENECTADY
State	NY
Zip	12309-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	1
Legal Lot Number	10.002
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	1
Census Block	1010
Census Tract	32101

Owner

Source: Schenectady County and Niskayuna Town records, as of April 14, 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	2938 RIVER RD, SCHENECTADY, NY 12309-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Warranty Deed, Transfer · Conventional Mortgage SUNMARK FCU
Jun 26, 2017	Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2017 · Amount on Record
Deed Sale	Jun 26, 2017 · Amount on Record
Prior Sale	Aug 3, 1999 · Amount on Record
Deed Document Number	201728350
Deed Book / Page	1965 / 748
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Sep 10, 2021
Property Address	2938 RIVER RD, SCHENECTADY, NY 12309-1304
Document Number	0000044864
Book / Page	2067 / 12
Instrument Date	Sep 3, 2021
Instrument	202144864
Transaction Type	Transfer
Record Updated	Sep 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2938 RIVER RD, 2938, NISKAYUNA, NY 12309-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1511 FOSTER AVE, SCHENECTADY, NY 12308-1803

Mortgage

Document Number	0000044865
Date	Sep 10, 2021
Instrument	202144865

Lender

Name	SUNMARK FCU
Type	Credit Union

Agreement

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

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Jun 26, 2017
Property Address	2938 RIVER RD, SCHENECTADY, NY 12309-1304
Document Number	0000028350
Book / Page	1965 / 748
Instrument Date	Jun 14, 2017
Instrument	201728350
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2938 RIVER RD, 2938, NISKAYUNA, NY 12309-1304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MORDELLA RD, ALBANY, NY 12205-2504

Mortgage

Document Number	0000028351
Date	Jun 26, 2017
Book Page	4769/050
Instrument	201728351

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 8002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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
2025	$12,018.00	$277,000 (-) Land $57,400 Building $219,600	$410,400 (+17.06%) Land $85,043 Building $325,357
2023		$277,000 Land $57,400 Building $219,600	$350,600 Land $72,651 Building $277,949

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 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	6 (1993–2012)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

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.

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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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