2984 River Rd, Niskayuna (Schenectady), NY 12309 Property Records

Schenectady County and Niskayuna Town property record for 2984 River Rd, Niskayuna, NY 12309

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,558 sqft · built 1989
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Last Sale	$332,000 (Aug 2018)
Tax Bill	$14,261 (2026)
Deeds & Mortgages	May 2020 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`422400 51.-1-11.33`

Property Details

APN / Parcel Number

Primary APN	`422400 51.-1-11.33`
Alternative APN	`240005100000010110330000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,558 sqft Living Area
1st Floor Area	1,510 sqft
Upper Floors Area	1,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Composition/Composite
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Pool Area	576 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2984 RIVER RD
City	SCHENECTADY
State	NY
Zip	12309-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	1
Legal Lot Number	11.033
Jurisdiction	SCHENECTADY NY
Township / Civil Division	NISKAYUNA
Census Block Group	1
Census Block	1010
Census Tract	32101

Owner

2984 River Rd is owned and occupied by two individuals who bought it in August 2018.

Source: Schenectady County and Niskayuna Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2984 RIVER RD, SCHENECTADY, NY 12309-1324
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
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NEW YORK FCU
Aug 22, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST NEW YORK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Deed Document Number	201837596
Deed Book / Page	1994 / 301
Prior Transfer Date	Jun 6, 2006
Prior Transfer Doc	1736000104
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCHENECTADY NY
Property Address	2984 RIVER RD, SCHENECTADY, NY 12309-1324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014190
Date	May 18, 2020
Book Page	4988/750
Instrument	202014190

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union
Address	56865

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCHENECTADY NY
Recording Date	Aug 22, 2018
Property Address	2984 RIVER RD, SCHENECTADY, NY 12309-1324
Document Number	0000037596
Book / Page	1994 / 301
Instrument Date	Aug 7, 2018
Instrument	201837596
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 COLONIAL CLUB DR # DR304, 29, BOYNTON BEACH, FL 33435-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 W HIGHLAND DR, SCHENECTADY, NY 12303

Mortgage

Document Number	0000037599
Date	Aug 22, 2018
Instrument	201837599

Lender

Name	FIRST NEW YORK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2984 River Rd was $14,261, up 1.5% from the year before.

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
2026	$14,261.00 (+1.54%)
2025	$14,045.00	$325,000 Land $78,500 Building $246,500	$481,500 Land $116,301 Building $365,199
2023		$325,000 Land $78,500 Building $246,500	$411,400 Land $99,369 Building $312,031

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

Flood

FEMA maps place 2984 River Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1993.

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

Wildfire risk around 2984 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	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	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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