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2977 River Rd, Melrose, NY 12121 Property Records

Rensselaer County and Schaghticoke Town property record for 2977 River Rd, Melrose, NY 12121

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,418 sqft · built 1951
Lot Size3.12 acres (135,907 sqft)
Owner2 Individual Names on Record
Last Sale$305,000 (Jun 2025)
Tax Bill$4,571 (2026)
Deeds & MortgagesFeb 2023 Sale & Mortgage
Jul 2017 Sale
Flood ZoneZone X (minimal risk)
APN384289 30.-3-27.1

Property Details

APN / Parcel Number

Primary APN384289 30.-3-27.1
Alternative APN
  • 315J175211

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,418 sqft Living Area
1st Floor Area1,418 sqft

Exterior

Year BuiltBuilt 1951
Effective Year BuiltEffective 1951
Architectural StyleRanch
Exterior MaterialWood
Lot Area135,907 sqft (3.12 acres)
Lot Width300 ft Width
View / LotWaterfront
PorchSlab
Porch Area598 sqft
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Account Number315J175211
Street Address2977 RIVER RD
CityMELROSE
StateNY
Zip12121-2522
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeFFO
Legal Block3
Legal Lot Number27.001
JurisdictionRENSSELAER NY
Township / Civil DivisionSCHAGHTICOKE
Census Block Group3
Census Block3028
Census Tract51901

Owner

Source: Rensselaer County and Schaghticoke Town records, as of September 23, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address21 ERIE BLVD, 356, MENANDS, NY 12204-2553
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 5, 2017Grant Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 17, 2025 · Amount on Record
Deed SaleJun 17, 2025 · Amount on Record
Prior SaleFeb 9, 2023 · Amount on Record
Deed Document Number2025657491
Deed Book / Page10987 / 83
Prior Transfer DateOct 30, 2012
Prior Transfer Doc0065320176
Record UpdatedOct 29, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionRENSSELAER NY
Recording DateFeb 9, 2023
Property Address2977 RIVER RD, MELROSE, NY 12121-2522
Document Number0103180147
Book / Page10318 / 147
Instrument DateJan 17, 2023
Instrument2023-623657
Transaction TypeTransfer
Record UpdatedMar 7, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address906 CLEMENT ST, MECHANICVILLE, NY 12118-1400

Mortgage

Document Number2023623658
DateFeb 9, 2023
Instrument2023-623658
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

July 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionRENSSELAER NY
Recording DateJul 5, 2017
Property Address2977 RIVER RD, MELROSE, NY 12121-2522
Document Number0082190189
Book / Page008219 / 000189
Instrument DateJun 13, 2017
Transaction TypeTransfer
Record UpdatedAug 22, 2017

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2977 RIVER RD MELROSE NY 121212522, MELROSE, NY 12121-2522

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyRensselaer County
County SubdivisionSchaghticoke Town
Unified School DistrictMechanicville City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,571.00 (+0.46%)
2025$4,550.00 (+77.04%)$33,400 (-) Land $11,300 Building $22,100$234,551 (+12.71%) Land $79,354 Building $155,197
2023$33,400 (-) Land $11,300 Building $22,100$208,100 (+10.59%) Land $70,405 Building $137,695
2022$2,570.00$33,400 Land $11,300 Building $22,100$188,169 Land $63,662 Building $124,507

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims2 (2004–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 97.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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